The opportunity
2/2 · Clear, recurring pain
Complaints to the state's financial arbiter, mostly about consumer loans, more than quadrupled from 2023 to 2025, and law firms answer them by hand.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
- 12,050 new cases reached the arbiter in 2025, against 2,660 in 2023.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- 8,200 more came by May 2026, on track for about 20,000 this year.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- Consumer credit is about 92% of the cases still running.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
The opportunity
About this section
- What this shows
- The problem as it is today: what goes wrong, and who it costs.
- Why it matters to a builder
- Documented pain means you will not have to convince buyers the problem exists before you can sell them the fix.
- How to read the score
- 2/2 means clear, recurring pain: documented complaints, a petition or industry pressure. Scattered complaints make it 1/2.
Complaints to the state's financial arbiter, mostly about consumer loans, more than quadrupled from 2023 to 2025, and law firms answer them by hand.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
- 12,050 new cases reached the arbiter in 2025, against 2,660 in 2023.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- 8,200 more came by May 2026, on track for about 20,000 this year.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- Consumer credit is about 92% of the cases still running.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
The arbiter, the Kancelář finančního arbitra, is the out-of-court forum for consumer disputes with banks and lenders.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days. Most claims say the lender never checked that the borrower could repay, a duty the law calls creditworthiness assessment.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- In 2024 there were 5,683 new cases, so 2025 more than doubled it.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- 15,446 cases were in progress at some point in 2025, 14,235 of them about consumer loans.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- New loan cases alone rose from 2,097 in 2023 to 11,386 in 2025.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- The industry and trade ministry counts about 18,700 filings at the arbiter from 2020 to mid-2025, strongly rising.MPOmpo.gov.czMPO — consumer policy progress report (another site)A second official count: ~18,700 financial-arbiter filings between 2020 and mid-2025, inside 45,000+ out-of-court dispute filings across sectors. The caseload is structural, not a one-year spike. They sit among more than 45,000 out-of-court consumer disputes across all sectors.MPOmpo.gov.czMPO — consumer policy progress report (another site)A second official count: ~18,700 financial-arbiter filings between 2020 and mid-2025, inside 45,000+ out-of-court dispute filings across sectors. The caseload is structural, not a one-year spike.
- So the caseload recurs year after year; it is not a one-year spike.MPOmpo.gov.czMPO — consumer policy progress report (another site)A second official count: ~18,700 financial-arbiter filings between 2020 and mid-2025, inside 45,000+ out-of-court dispute filings across sectors. The caseload is structural, not a one-year spike.
Suggested solution
Build case software for lenders that pulls the loan file, drafts the reply to the arbiter and tracks deadlines.
- A borrower, or a claims firm filing in bulk. Today: Files a complaint with the arbiter. With the suggested solution: Unchanged: the borrower still files.
- A law firm or outsourced service, for the lender. Today: Writes each answer to the arbiter by hand. With the suggested solution: Checks a reply drafted from the loan file.
- Who does this is not known. Today: How a lender tracks each case's deadlines is not known. With the suggested solution: Software tracks every case deadline.
- The lender and the borrower. Today: Settle most of the cases that end. With the suggested solution: Unchanged: settling stays their call.
Not known: how a lender tracks each case's deadlines.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Suggested solution
About this section
- What this shows
- One way to solve the problem, and how the work would run with it.
- Why it matters to a builder
- It is a starting point to test with buyers, not a plan. The sections below are the evidence for and against it.
Build case software for lenders that pulls the loan file, drafts the reply to the arbiter and tracks deadlines.
Borrowers, many through claims firms filing in bulk, take complaints to the financial arbiter, and law firms or an outsourced service answer each one for the lender by hand.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
- A borrower, or a claims firm filing in bulk. Today: Files a complaint with the arbiter. With the suggested solution: Unchanged: the borrower still files.
- A law firm or outsourced service, for the lender. Today: Writes each answer to the arbiter by hand. With the suggested solution: Checks a reply drafted from the loan file.
- Who does this is not known. Today: How a lender tracks each case's deadlines is not known. With the suggested solution: Software tracks every case deadline.
- The lender and the borrower. Today: Settle most of the cases that end. With the suggested solution: Unchanged: settling stays their call.
Not known: how a lender tracks each case's deadlines.
Why now
1/3 · Soft deadline
Lenders already answer bulk claims one at a time, and the rule widening the repayment check from November 2026 is not yet Czech law.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.mf.gov.czFinance ministry — the Czech CCD2 bill and its effective date (another site)The finance ministry's amendment of the Consumer Credit Act brings the EU directive into Czech law with effect on the binding EU date, 20 November 2026. It predates the October 2025 election and still has to…
- Claims firms now file at mass scale, not as one-off grievances.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- Each case takes 167 days on average, tying up the lender's lawyers.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- 83% of concluded cases end in a settlement.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Why now
About this section
- What this shows
- The dated rules and events that push buyers to act, soonest first.
- Why it matters to a builder
- A dated rule turns “nice to have” into “must buy by”, and tells you how long the window stays open.
- How to read the score
- 3/3 means an enacted rule binds these buyers within 18 months and names a penalty. Without a named penalty it is 2/3. A draft law, a rule on someone else, or a date further out is 1/3.
Lenders already answer bulk claims one at a time, and the rule widening the repayment check from November 2026 is not yet Czech law.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.mf.gov.czFinance ministry — the Czech CCD2 bill and its effective date (another site)The finance ministry's amendment of the Consumer Credit Act brings the EU directive into Czech law with effect on the binding EU date, 20 November 2026. It predates the October 2025 election and still has to…
- Claims firms now file at mass scale, not as one-off grievances.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- Each case takes 167 days on average, tying up the lender's lawyers.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- 83% of concluded cases end in a settlement.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
The EU rules behind most claims change on 20 November 2026, and the arbiter's own rules follow in 2028:2 sourcesvlada.gov.czADR directive 2025/2647 — the financial arbiter's law to be amended (planned) (another site)Two planned Czech bills bring an EU directive on out-of-court consumer disputes into Czech law, one of them amending the Financial Arbiter Act. From 20 September 2028 a trader contacted by a dispute body must…In the source’s words“Transponovat směrnici Evropského parlamentu a Rady (EU) 2025/2647 ze dne 16. prosince 2025, kterou se mění směrnice 2013/11/EU o alternativním…”EUR-Lexeur-lex.europa.euCCD2 — the EU consumer-credit directive applies from 20 November 2026 (another site)The EU's new consumer-credit directive applies from 20 November 2026: buy-now-pay-later, interest-free deferred payment and loans under €200 come under consumer-credit law, with a duty to check that the…
- The finance ministry is revising the Consumer Credit Act, Act No. 257/2016, and its draft has been on the government's legislative portal since 14 February 2025.VeKLEPodok.czVeKLEP — consumer credit act revision in draft (another site)The Finance Ministry is revising the Consumer Credit Act 257/2016 — the statute whose creditworthiness-assessment duties generate most of the arbiter's docket is itself being rewritten.In the source’s words“Návrh zákona, kterým se mění zákon č. 257/2016 Sb., o spotřebitelském úvěru, ve znění pozdějších předpisů, a další související zákony — Návrh zákona transponuje směrnici Evropského parlamentu a Rady (EU) 2023/2225 ze dne 18. října 2023 o…”
- That act sets the duty to check that a borrower can repay, the duty most claims say was broken.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.VeKLEPodok.czVeKLEP — consumer credit act revision in draft (another site)The Finance Ministry is revising the Consumer Credit Act 257/2016 — the statute whose creditworthiness-assessment duties generate most of the arbiter's docket is itself being rewritten.In the source’s words“Návrh zákona, kterým se mění zákon č. 257/2016 Sb., o spotřebitelském úvěru, ve znění pozdějších předpisů, a další související zákony — Návrh zákona…”
- The draft brings the EU's new consumer-credit directive into Czech law, and the directive applies from 20 November 2026.2 sourcesEUR-Lexeur-lex.europa.euCCD2 — the EU consumer-credit directive applies from 20 November 2026 (another site)The EU's new consumer-credit directive applies from 20 November 2026: buy-now-pay-later, interest-free deferred payment and loans under €200 come under consumer-credit law, with a duty to check that the…mf.gov.czFinance ministry — the Czech CCD2 bill and its effective date (another site)The finance ministry's amendment of the Consumer Credit Act brings the EU directive into Czech law with effect on the binding EU date, 20 November 2026. It predates the October 2025 election and still has to…
- From that date the repayment check also covers buy-now-pay-later, interest-free deferred payment and loans under €200.EUR-Lexeur-lex.europa.euCCD2 — the EU consumer-credit directive applies from 20 November 2026 (another site)The EU's new consumer-credit directive applies from 20 November 2026: buy-now-pay-later, interest-free deferred payment and loans under €200 come under consumer-credit law, with a duty to check that the borrower can repay.
- The Czech bill predates the October 2025 election and still has to pass, so the Czech date can slip.mf.gov.czFinance ministry — the Czech CCD2 bill and its effective date (another site)The finance ministry's amendment of the Consumer Credit Act brings the EU directive into Czech law with effect on the binding EU date, 20 November 2026. It predates the October 2025 election and still has to pass, so the Czech date can slip.
- So neither date binds a Czech lender yet: the first waits on that bill, and the second is two years away and only planned.2 sourcesvlada.gov.czADR directive 2025/2647 — the financial arbiter's law to be amended (planned) (another site)Two planned Czech bills bring an EU directive on out-of-court consumer disputes into Czech law, one of them amending the Financial Arbiter Act. From 20 September 2028 a trader contacted by a dispute body must…In the source’s words“Transponovat směrnici Evropského parlamentu a Rady (EU) 2025/2647 ze dne 16. prosince 2025, kterou se mění směrnice 2013/11/EU o alternativním…”mf.gov.czFinance ministry — the Czech CCD2 bill and its effective date (another site)The finance ministry's amendment of the Consumer Credit Act brings the EU directive into Czech law with effect on the binding EU date, 20 November 2026. It predates the October 2025 election and still has to…
- From 20 September 2028 a second EU directive rewrites out-of-court consumer disputes, and the finance ministry plans to amend the Financial Arbiter Act for it.vlada.gov.czADR directive 2025/2647 — the financial arbiter's law to be amended (planned) (another site)Two planned Czech bills bring an EU directive on out-of-court consumer disputes into Czech law, one of them amending the Financial Arbiter Act. From 20 September 2028 a trader contacted by a dispute body must say within 20 working days whether it will take part.In the source’s words“Transponovat směrnici Evropského parlamentu a Rady (EU) 2025/2647 ze dne 16. prosince 2025, kterou se mění směrnice 2013/11/EU o alternativním řešení spotřebitelských sporů” A trader contacted by a dispute body must then say within 20 working days whether it will take part.vlada.gov.czADR directive 2025/2647 — the financial arbiter's law to be amended (planned) (another site)Two planned Czech bills bring an EU directive on out-of-court consumer disputes into Czech law, one of them amending the Financial Arbiter Act. From 20 September 2028 a trader contacted by a dispute body must say within 20 working days whether it will take part.In the source’s words“Transponovat směrnici Evropského parlamentu a Rady (EU) 2025/2647 ze dne 16. prosince 2025, kterou se mění směrnice 2013/11/EU o alternativním řešení spotřebitelských sporů”
Willing to pay
0/2 · No sign yet
Lenders must answer every case, and a Czech firm sells them that work, but no buyer or price for it is public.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
- Every case needs the lender's documents and a legal answer, written by hand.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
- A Czech firm markets arbiter-dispute handling to non-bank lenders as a service.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
- Law firms work these cases by hand.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Willing to pay
About this section
- What this shows
- Who already spends money on this problem, how much, and how they buy.
- Why it matters to a builder
- If people already pay for this, even by hand or through a consultant, you are replacing a spend, not creating a budget.
- How to read the score
- 2/2 means a Czech buyer has paid for this, or a priced job also gets public money that pays part of it. A price on file makes it 1/2. Public money alone earns nothing. Only public buyers publish what they pay, so problems sold to private firms often score lower.
Lenders must answer every case, and a Czech firm sells them that work, but no buyer or price for it is public.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
- Every case needs the lender's documents and a legal answer, written by hand.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
- A Czech firm markets arbiter-dispute handling to non-bank lenders as a service.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
- Law firms work these cases by hand.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
Banks and non-bank lenders must produce documents, take a legal position and decide whether to settle on every case the arbiter opens.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
- At this year's pace that is about 20,000 cases, answered by in-house legal teams and outside law firms.2 sourcesfinarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
- The arbiter itself, at 167 days a case, could be a third buyer.finarbitr.gov.czFinancial arbiter — 2025 annual report (another site)The caseload receipt: 2,660 new proceedings in 2023, 5,683 in 2024, 12,050 in 2025 and 8,200 more filed by May 2026, with consumer credit at ~92% of the running docket and proceedings averaging 167 days.
No price paid by a Czech buyer is on file yet.
Where to look
No public buyer pays for this, so ask the head of legal or compliance at a non-bank lender from the Czech National Bank's register of consumer-credit providers what outside counsel bills per financial-arbiter case, or ask a Czech law firm its fee for "zastupování před finančním arbitrem" (representation before the arbiter); registr smluv full-text for "Kancelář finančního arbitra" shows only what the arbiter itself pays for case-handling software, and the MS2021+ index has nothing on it.
Validated abroad
2/3 · Proven once
A US company automates bank payment disputes, and funded firms abroad automate insurance claims and debt collection, one step from this.Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away.
- ClaimSorted (another site)Based in United KingdomAlso sells in United States
- Casap (another site)Based in United States
- Audun (another site)Based in Norway
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Validated abroad
About this section
- What this shows
- Companies abroad that already sell a solution, and how far along they are.
- Why it matters to a builder
- Established companies selling it in other markets show that buyers will pay, so you are not betting on an untested idea.
- How to read the score
- 3/3 means established in two or more markets, one of them near Czechia. 2/3 is one established company, 1/3 only early players.
A US company automates bank payment disputes, and funded firms abroad automate insurance claims and debt collection, one step from this.Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away.
- Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away.
$13.3M seed led by Atomico (Forbes, 2025); 20+ insurer clients across US/UK/EU; tech-enabled claims TPA
- No source on file
$25M Series A led by Emergence at $105M valuation (BusinessWire, 2025); automates bank and credit-union payment-dispute lifecycle
- No source on file
YC S26, 4-person Oslo team (YC directory, 2026); AI-native debt collection; no public funding or customer figures yet
The US company has sold software for the payment-dispute cycle of banks and credit unions since 2023, on a Series A raised in 2025. It is the only one of these sellers with three years of selling behind it.
A London company founded in 2024 and backed by Y Combinator, the US startup accelerator, processes claims for insurers.Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away. In Norway, a small team backed by the same accelerator builds AI debt collection.Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away. In US insurance, Avallon AI, Basepilot and Amera also sell claims operations built on AI.Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away.
All of them sit one market away, and no funded company was found doing dispute response for consumer credit.Y Combinatorycombinator.comClaimSorted (another site)A YC-backed London company productising claims processing for insurers — with Audun's AI debt collection in Norway, the nearest funded model to lender-side dispute operations, and still one vertical away.
Market gap
2/2 · Open
Law firms and one service firm handle these cases by hand, and no Czech software for the lender's side was found.2 sourcesMarket checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a…
New, selling this: nobody on file. Established, selling this: nobody on file. New, selling something nearby: E-OFFICE Advokát (AISoft) (since 1991), Advokátní spis (ATLAS consulting) (since 1992), Praetor (Wolters Kluwer ČR) (since 1995), Evolio (AVE Soft) (since 1997), Aptien (since 2005), ePohledávky.cz (SoftGate Systems) (since 2013), aCompliance (since 2014), Barrister (ASW), ISAK, SingleCase. Established, selling something nearby: nobody on file. No established player sells this here.
The space is still open
- EarlySells something nearby · since 1991E-OFFICE Advokát (AISoft) (another site)It sells an office system for medium and large law firms — accounting, a diary of tasks and deadlines, an electronic registry, management oversight.Sources and the full note are in Read more.
- EarlySells something nearby · since 1992Advokátní spis (ATLAS consulting) (another site)It sells electronic case files for individual advocates — full-text search across files, time recorded per case, deadlines pushed into Outlook — general practice tooling with no arbiter docket in it.Sources and the full note are in Read more.
- EarlySells something nearby · since 1995Praetor (Wolters Kluwer ČR) (another site)It sells the widest-selling Czech case-management system for law firms and in-house legal departments — intake, documents, court-register watching, deadlines, escrow and billing — and there is no arbiter docket anywhere in it.Sources and the full note are in Read more.
- EarlySells something nearby · since 1997Evolio (AVE Soft) (another site)It sells law-office software whose headline feature is filing electronic payment orders in bulk on one click — automation aimed squarely at the creditor suing the debtor, which is the pursuit side again and not the defence of a consumer claim.Sources and the full note are in Read more.
- EarlySells something nearby · since 2005Aptien (another site)It sells generic case and record management to companies, with no financial-arbiter docket in it.Sources and the full note are in Read more.
- EarlySells something nearby · since 2013ePohledávky.cz (SoftGate Systems) (another site)It sells a receivables and collections platform — software for the creditor pursuing the debtor, the other side of the same relationship from the creditor defending a consumer claim at the arbiter.Sources and the full note are in Read more.
- EarlySells something nearby · since 2014aCompliance (another site)It sells a service, not a product: outsourced handling of client complaints and out-of-court disputes at the financial arbiter, marketed to non-bank lenders and staffed by people.Sources and the full note are in Read more.
- EarlySells something nearbyBarrister (ASW) (another site)It sells collections and receivables software, again on the pursuit side of the relationship rather than the defence side.Sources and the full note are in Read more.
- EarlySells something nearbyISAK (another site)It sells practice software for running a law office securely and in order — the same general matter tooling as the rest of this group, with nothing in it aimed at a consumer-credit dispute.Sources and the full note are in Read more.
- EarlySells something nearbySingleCase (another site)It sells law-practice case management to law firms — generic matter tooling, with no financial-arbiter docket in it.Sources and the full note are in Read more.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Market gap
About this section
- What this shows
- Czech companies that already sell this, and firms nearby that sell something else.
- Why it matters to a builder
- A mature Czech seller means taking customers from an incumbent. Firms nearby still matter: the buyer may already pay them.
- How to read the score
- More points mean a more open field. 2/2 means no Czech company sells this, 1/2 only early ones do, 0/2 a mature one does.
Law firms and one service firm handle these cases by hand, and no Czech software for the lender's side was found.2 sourcesMarket checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a…
New, selling this: nobody on file. Established, selling this: nobody on file. New, selling something nearby: E-OFFICE Advokát (AISoft) (since 1991), Advokátní spis (ATLAS consulting) (since 1992), Praetor (Wolters Kluwer ČR) (since 1995), Evolio (AVE Soft) (since 1997), Aptien (since 2005), ePohledávky.cz (SoftGate Systems) (since 2013), aCompliance (since 2014), Barrister (ASW), ISAK, SingleCase. Established, selling something nearby: nobody on file. No established player sells this here.
The space is still open
- EarlySells something nearby · since 1991E-OFFICE Advokát (AISoft) (another site)It sells an office system for medium and large law firms — accounting, a diary of tasks and deadlines, an electronic registry, management oversight.Sources and the full note are in Read more.
- EarlySells something nearby · since 1992Advokátní spis (ATLAS consulting) (another site)It sells electronic case files for individual advocates — full-text search across files, time recorded per case, deadlines pushed into Outlook — general practice tooling with no arbiter docket in it.Sources and the full note are in Read more.
- EarlySells something nearby · since 1995Praetor (Wolters Kluwer ČR) (another site)It sells the widest-selling Czech case-management system for law firms and in-house legal departments — intake, documents, court-register watching, deadlines, escrow and billing — and there is no arbiter docket anywhere in it.Sources and the full note are in Read more.
- EarlySells something nearby · since 1997Evolio (AVE Soft) (another site)It sells law-office software whose headline feature is filing electronic payment orders in bulk on one click — automation aimed squarely at the creditor suing the debtor, which is the pursuit side again and not the defence of a consumer claim.Sources and the full note are in Read more.
- EarlySells something nearby · since 2005Aptien (another site)It sells generic case and record management to companies, with no financial-arbiter docket in it.Sources and the full note are in Read more.
- EarlySells something nearby · since 2013ePohledávky.cz (SoftGate Systems) (another site)It sells a receivables and collections platform — software for the creditor pursuing the debtor, the other side of the same relationship from the creditor defending a consumer claim at the arbiter.Sources and the full note are in Read more.
- EarlySells something nearby · since 2014aCompliance (another site)It sells a service, not a product: outsourced handling of client complaints and out-of-court disputes at the financial arbiter, marketed to non-bank lenders and staffed by people.Sources and the full note are in Read more.
- EarlySells something nearbyBarrister (ASW) (another site)It sells collections and receivables software, again on the pursuit side of the relationship rather than the defence side.Sources and the full note are in Read more.
- EarlySells something nearbyISAK (another site)It sells practice software for running a law office securely and in order — the same general matter tooling as the rest of this group, with nothing in it aimed at a consumer-credit dispute.Sources and the full note are in Read more.
- EarlySells something nearbySingleCase (another site)It sells law-practice case management to law firms — generic matter tooling, with no financial-arbiter docket in it.Sources and the full note are in Read more.
Sells something nearby 10
- Early: aCompliance (another site)2 sourcesMarket checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a…
It sells a service, not a product: outsourced handling of client complaints and out-of-court disputes at the financial arbiter, marketed to non-bank lenders and staffed by people.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product. Its own page offers "pomoci s vyřizováním stížností a reklamací klientů, včetně případných mimosoudních sporů (zejména u Finančního arbitra)"Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator. — the same job for the same buyer, and still the opposite shape: a firm doing the work, not software a lender runs itself. Acompliance poradenství s.r.o. has traded since 28 January 2014, but names nobody who has bought it and publishes no count, so how many lenders it handles is unknown.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
- Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
It sells a receivables and collections platform — software for the creditor pursuing the debtor, the other side of the same relationship from the creditor defending a consumer claim at the arbiter.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product. Trading since 2013; it names nobody who has bought it, publishes no count and pairs with no public body on the state contracts register.
- Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
It sells collections and receivables software, again on the pursuit side of the relationship rather than the defence side.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product. No start year, no named buyer and no published count, so how widely it is used is unknown.
- Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
It sells law-office software whose headline feature is filing electronic payment orders in bulk on one click — automation aimed squarely at the creditor suing the debtor, which is the pursuit side again and not the defence of a consumer claim.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator. AVE Soft s.r.o. has traded since 14 July 1997, but publishes no count of the firms running it, so its reach is unknown.
- Early: SingleCase (another site)Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
It sells law-practice case management to law firms — generic matter tooling, with no financial-arbiter docket in it.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product. No start year and no published user count are on file.
- Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
It sells the widest-selling Czech case-management system for law firms and in-house legal departments — intake, documents, court-register watching, deadlines, escrow and billing — and there is no arbiter docket anywhere in it.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator. This is the vendor best placed to turn and build one: Wolters Kluwer ČR has traded since 3 April 1995, though it publishes no count of Praetor users, its distribution deal with ČSOB is a bank offer rather than a reference, and only one public body pairs with it on the state contracts register.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
- Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
It sells electronic case files for individual advocates — full-text search across files, time recorded per case, deadlines pushed into OutlookMarket checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator. — general practice tooling with no arbiter docket in it. ATLAS consulting spol. s r.o. has traded since 14 May 1992; it publishes no user count, and only one public body pairs with it on the state contracts register.
- Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
It sells an office system for medium and large law firms — accounting, a diary of tasks and deadlines, an electronic registry, management oversight.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator. Again the firm's own administration rather than the arbiter's docket. AISoft spol. s r.o. has traded since 16 May 1991, but names nobody who has bought it and publishes no count.
- Early: ISAK (another site)Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
It sells practice software for running a law office securely and in orderMarket checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator. — the same general matter tooling as the rest of this group, with nothing in it aimed at a consumer-credit dispute. No start year and no published user count are on file.
- Early: Aptien (another site)Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
It sells generic case and record management to companies, with no financial-arbiter docket in it.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product. Trading since 30 August 2005; it names nobody who has bought it and publishes no count.
Ten Czech vendors turned up, and none handles a case at the arbiter:Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
- One firm takes the job off non-bank lenders, handling their complaints and arbiter disputes as a service, with people rather than software.Market checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.
- Three sell software for the other side of the relationship, the creditor chasing a debtor, one of them by filing payment orders in bulk.2 sourcesMarket checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a…
- Six sell general law-office or company tooling, such as files, deadlines and billing, with nothing for an arbiter case.2 sourcesMarket checkacompliance.czaCompliance and the Czech respondent-side field (another site)A deeper Czech sweep: receivables platforms point the other way, law-practice case management carries no arbiter docket, and aCompliance handles arbiter disputes as a service rather than a product.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a…
- The widest-selling Czech case-management system for law firms is among those six, and it is the one best placed to add an arbiter docket.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
- No Czech product was found keeping an arbiter docket, running a deadline clock on each proceeding, deciding which cases to settle, or assembling the answer from the loan file.Market checkevolio.czCzech dispute tooling, searched again in a lender's words (another site)A wider Czech sweep of the supply side. It surfaced a dense field of Czech law-office software — Praetor, Evolio, Advokátní spis, E-OFFICE Advokát, ISAK — and none of it, and nothing else Czech, handles a case at the Financial Arbitrator.
- Searches also returned the arbiter's own pages, consumer advice sites and law firms working cases by hand.Market checkfinarbitr.gov.czCzech dispute-tooling scan (first pass) (another site)Searches returned the arbiter's own information pages, consumer advisories and law firms handling cases by hand — no Czech product for lender-side dispute response was found.
Execution difficulty
2/3 · Moderate
Makes it easier
- No licence is needed.
- None of the ten Czech vendors found handles arbiter cases.
- The caseload keeps growing.
Makes it harder
- The buyers are banks and lenders whose lawyers must trust software with case files.
- A Czech firm already sells this work to non-bank lenders.
- The credit law behind the claims is changing.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Execution difficulty
About this section
- What this shows
- What stands between you and the first sale: who buys, what permission selling needs, what it must plug into, and whether it needs outside money.
- Why it matters to a builder
- It tells you whether a small team can start selling soon, or needs a licence, a certification or funding first.
- How to read the score
- More points mean easier to enter: 3/3 is easy, 0/3 very hard. It is not added to the Opportunity total, and local competition does not count here: that is Market gap.
Moderate
Makes it easier
- No licence is needed.
- None of the ten Czech vendors found handles arbiter cases.
- The caseload keeps growing.
Makes it harder
- The buyers are banks and lenders whose lawyers must trust software with case files.
- A Czech firm already sells this work to non-bank lenders.
- The credit law behind the claims is changing.
Local competition does not change this level. It is covered under Market gap.
Suggested first moves
- Contact the head of legal at one non-bank lender and shadow its arbiter cases for a week, counting the lawyer hours each case burns.
- Build the settlement call first: a tool that tells a lender, from the loan file, whether a case is worth fighting or settling.
- Open every sales call with the arbiter's own count of new cases, which more than quadrupled in two years.
P-0027 · Disputes against Czech lenders have quadrupled since 2023, and every one needs someone to answer it
Suggested first moves
About this section
- What this shows
- A few concrete steps to start with.
- Why it matters to a builder
- They are cheap ways to learn whether buyers will pay, before you build much.
- Contact the head of legal at one non-bank lender and shadow its arbiter cases for a week, counting the lawyer hours each case burns. Consumer credit is almost all of the arbiter's caseload, and each case is answered by hand; see The opportunity and Market gap. The hours you count are what your software saves, so price against them. Start with non-bank lenders, because a Czech firm already markets this work to them, which shows they are the ones looking for help; see Willing to pay.
- Build the settlement call first: a tool that tells a lender, from the loan file, whether a case is worth fighting or settling. Most concluded cases settle, so that is the decision a lender actually makes; see Why now. Then add a deadline clock on each proceeding and the answer pack assembled from the loan file. No Czech product was found doing any of the three; see Market gap.
- Open every sales call with the arbiter's own count of new cases, which more than quadrupled in two years. The yearly counts and this year's pace are under The opportunity, and the months each case takes are under Why now. A lender's head of legal already feels the load; the counts show it is the whole market and not bad luck, and it keeps coming back every year.
- Watch the two Czech players who could move into this: the firm that sells the work as a service, and the leading law-office software. The service firm does this exact job for non-bank lenders, with people rather than software, and has traded for years. The software vendor sells the widest-selling case-management system in Czech law firms and is one product decision away; see Market gap. None of the Czech vendors found handles an arbiter case yet, so move before either of them does.