offers software-based management solutions for risk and credit management

Who we are

SHS VIVEON AG offers software-based management solutions for risk and credit management. The applications and consultancy services offered by SHS VIVEON allow companies to control the potential and risks of their clients in a professional and automated manner. This helps them establish lasting customer relationships and achieve a clear competitive advantage in the digital world.

Not only SMEs, but also international clients from the banking sector and other financial service providers as well as trade and industry make use of software solutions developed by SHS VIVEON: DebiTEX (credit management), GUARDEAN RiskSuite (risk management) and proofitBOX (payment method control in e-commerce). 


  • Credit Management
    We will support you in all areas to create an efficient, value-added credit management solution, from analysing the status quo to consultation, right through to implementing system-based solutions.
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  • Risk Management
    You can use our expertise to properly assess customers based on their potential and risk, which will enable you to minimise default risks. We will help you to make fast and transparent application decisions in all situations.
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Excerpt of our

“We decided to pick DebiTEX because the standard version covered the most important credit and receivables management processes and the product has the ability to implement our complex processes.”

Andreas Wenzel, Global Credit Risk Manager at Agfa Graphics
“For us, DebiTEX represents an essential component in customer evaluation on an individual basis as well as in the portfolio. Since using DebiTEX, we have been able to reduce the risk of bad debt losses to a minimum.”
Rudolf Keßler, Head of the Credit Management Department at BayWa AG
“We were impressed by SHS VIVEON’s many years of experience in a great variety of business intelligence projects and its extensive customer management expertise.”

Thorsten Tygges, member of coop eG’s Executive Board
“We found an ideal partner in SHS VIVEON. The company can offer us excellent support with its extensive knowledge of credit management – especially at international level.”

Christoph Lutterbuese, Head of Global Credit Management at Dentsu Aegis Network
“proofitBOX, which meets our specific requirements in e-commerce, enables us to best respond to our customers’ needs at all times during the important and sensitive payment process.”

Simon Meyer, Director of Finance & Business Development at Home24 GmbH
“With SHS VIVEON’s support, we will be able to operate our campaign management system even more flexibly and efficiently in future and thus successfully address our customers at an even more personalised level.”

Jörg Quehl, Head of Marketing at HUK-COBURG
“Thanks to SHS VIVEON, we receive several essential solution components from a single source. What is more, the components can be implemented quickly and precisely and are flexible enough to be adapted.”

Robert Genz, Managing Director and Chief Risk Officer at HCE
“We were looking for a partner who would understand the complexity of our processes and be able to manage large volumes of data swiftly and smoothly. We were impressed by SHS VIVEON’s considerable data warehousing expertise.”
Harald Badstieber, Director of Business Intelligence at Kabel Deutschland.
“When it comes to working together with SHS VIVEON, I really value the flexibility in the project, which means that we can adapt to new circumstances in the shortest possible time, as well as the pragmatic approach during implementation.”
FABIAN SENDEN, Customer Relationship Manager, Orifarm GmbH
“With SHS VIVEON we are even better at assessing our customers’ development regarding growth and risk.”

MARTINA ULSHÖFER, Head of Project Management, UniCredit Family Financing