Measurable impact

Quantifying the value of clarity in financial communication

Clear results. For companies, municipalities, and society.

We’ve modelled the financial effect of eliminating language barriers for hard-to-reach customer segments. When communication becomes clear and accessible, both losses and operational costs drop significantly while social outcomes improve measurably.

Enterprises

Across sectors, the impact is consistent. If organisations align the performance of their hard-to-reach customers with their main portfolio, the results are substantial:

  • Banks: Average savings of SEK 2 million/month driven by reduced credit losses

  • Energy providers: savings of SEK 2 million/month, primarily thorugh improved payment compliance and lower customer service volumes.

  • Telecom companies: About SEK 250 000/month from fewer missed payments and support contacts.

  • Landlords: up to SEK 300 000/month due to more timely rent payments and fewer evictions or collection actions.

The combined effect is a lower cost of risk, improved operational efficiency, and stronger customer retention, achieved simply by making communication understandable.

Society

Over-indebtedness has lifelong consequences. More than 100,000 people in Sweden remain in Kronofogden’s register for life, excluded from housing, employment, and financial services.

  • Even a small debt of SEK 3,000 can grow to SEK 79,000 in just five years without early intervetion.

  • Language and cultural barriers amplify the problem, delaying help and increasing the risk of long-term exclusion.

By breaking these barriers early, Bill prevents unnecessary defaults, reduces social costs, and supports long-term financial health and inclusion, thus enabling both economic and human recovery.

Sustainability at Bill

Bill operates at the intersection of technology, business, and social sustainability. While we are not subject to formal sustainability reporting requirements, we believe that long-term business success is closely linked to how well companies contribute to a more inclusive and well-functioning society.

This Sustainability Report describes how Bill contributes to social sustainability by improving financial understanding, reducing barriers to participation, and enabling clearer communication between organizations and individuals.

The report also outlines how our customers can use Bill as part of their own sustainability and ESG efforts.

Contact Us

Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!