Case Study: Gateway Financial Solutions achieves 58% increase in collections with Shaw Systems and ACI UP Bill Payment

Gateway Financial Solutions - Customer Case Study

Gateway Financial Solutions, a Michigan-based sub-prime auto lender, struggled with slow, time-consuming collections, a high broken‑promise rate, and the need for an electronic bill payment solution that would integrate with its loan servicing system. To address this, Gateway partnered with Shaw Systems and implemented Shaw’s 3‑click customer service interface alongside the ACI UP Bill Payment™ solution to add fast phone payments and multi-channel options (mobile, web, IVR, and call payments).

Shaw Systems’ integration enabled faster, easier collector-initiated payments and expanded self‑service channels, driving measurable gains: collector-initiated dollars increased 58%, the broken promise rate fell from 32% to 16%, collectors processed over 3,000 additional payments per month, self‑service payments rose to 36% (up five percentage points), and receivables grew 10% while delinquency remained flat—allowing Gateway to enter riskier markets.

Gateway Financial Solutions

Kristin Karwat

CEO