Cobramus - Technological platform specialized in the management and legal processing of unpaid debts

The problem

57% of Spanish companies experience negative financial impacts due to late payments, with 10% facing a risk of closure from unpaid debts. Late payments not only disrupt cash flow but also hinder growth, forcing companies to allocate resources to debt collection instead of investing in strategic initiatives. This issue affects businesses of all sizes, though small and medium-sized enterprises (SMEs) often suffer the most due to limited financial buffers. Our digital solution addresses these challenges by providing tools for efficient invoice tracking, automated payment reminders, and data-driven insights to help companies manage outstanding payments proactively, reducing financial stress and supporting sustainable growth.

The process

Creating a technological platform for managing and legally processing unpaid debts requires a strong emphasis on user-centered design to ensure that the solution genuinely addresses the needs of its target users. By prioritizing user-centered design, we put companies and collection professionals at the core of the development process, enabling us to create a platform that is both intuitive and highly effective. This approach is essential, given the complex nature of debt management, which involves sensitive information and critical financial decisions.

Through a structured UX/UI process—beginning with in-depth user research, followed by strategic design of information architecture, and ending with rigorous usability testing—the platform becomes a tool that simplifies and optimizes each stage of debt recovery. Each phase of design focuses on the real challenges faced by users, allowing the platform to meet specific needs, enhance workflow efficiency, and ultimately support users in effectively managing unpaid debts with confidence and ease.

User Research and Understanding

Conduct interviews and surveys with potential users (companies and collection professionals) to understand their needs, pain points, and current challenges in managing unpaid debts. Mapping the user journey identifies key flows and required functionalities, such as case tracking, payment alerts, and legal document management.

Information Architecture and
User Flows

Develop a clear, organized information architecture that allows users to navigate functions (e.g., case management, communication with attorneys, payment status tracking) intuitively. Wireframes define essential flows, from entering an unpaid case to initiating legal actions, enhancing user interaction at each step.

Prototyping and Usability Testing

Create interactive prototypes and conduct usability testing with real users to ensure that flows are efficient, terminology is clear, and users feel guided through the process. Gathering feedback refines visual elements and actions (e.g., "Start Legal Process" or "Update Payment Status") for an intuitive, efficient platform experience.

Prototype