During the 13 years he spent in banking, Tomasz Borowski's career spanned operations, risk management, and product management, where he also witnessed the brutality and unprofessional methods that conventional debt collection agencies adopted to retrieve outstanding balances. He observed the same thing when he moved to Ukraine in 2005 to continue his banking career. He did his own research on alternative methods and came to know about two digital debt collection companies--US-based TrueAccord and Polish debt collection agency Kruk SA--both worth over a billion US dollars today. "I decided to move to Southeast Asia and began exploring the market here. It was obvious to me that the situation here was similar to Ukraine. I decided to utilize my experience in finance and create a professional credit management services company to help change this market," Borowski told KrASIA.