DeCo

DeCo is a debt management client app for customers of partner banks and debt collection agencies that license the DeCo platform. View your existing debts, arrange Promise-to-Pay commitments, generate IPS payment QR codes for use in your own banking app, and chat directly with the operator handling your case. KEY FEATURES • Debt overview — All your active loans and obligations in one place. Outstanding amounts, days past due, next due dates. • Promise to Pay (PTP) — Tell us when you can pay. Choose an amount and date that fits your situation. • Payment QR code — Generate IPS NBS (Serbia) payment QR codes. Scan in your own mobile banking app to pay. DeCo does not process your money — payment happens from your bank account in your bank's app. • Operator chat — Direct communication with your case operator. Push notifications for new messages. Full conversation history. • Security — SMS OTP login. Biometric app unlock (fingerprint / Face ID). TLS 1.2+ encryption with certificate pinning. Refresh tokens stored in Android Keystore. PRIVACY DeCo does not collect your location, contacts, photos, or data from other apps. The app contains no advertising and no third-party analytics. See the in-app Privacy Policy for the full breakdown. WHO THIS APP IS FOR This app is used by customers of partner banks and debt collection agencies that license DeCo. If you are not a customer of a partner institution, you will not be able to register. CONTACT Questions: [email protected] Privacy Policy: available in the app (Settings → Privacy Policy)