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Intrum AB is a Swedish company specializing in credit management services. It offers a range of products and services, including debt collection, credit information, and risk management solutions. Founded in 1923, Intrum has a long-standing presence in the credit management industry. The company operates across 24 countries in Europe, with its headquarters in Stockholm, Sweden. Intrum's strategic positioning is reinforced by its comprehensive service offering that integrates data analytics with financial services to optimize debt recovery processes. The company's geographical footprint and diversified service portfolio underpin its ability to serve a wide customer base, including businesses and public sector clients.

Incorporated in 1911, International Business Machines, or IBM, is one of the oldest technology companies in the world. It provides software, IT consulting services, and hardware to help business customers modernize their technology workflows. IBM operates in 175 countries and employs approximately 300,000 people. The company has a robust roster of business partners to service its clients, which includes 95% of all Fortune 500 companies. IBM's products, including Red Hat, watsonx, and mainframes, handle some of the world's most important data workloads in areas like finance and retail.