The technology partnership between ibana and incaseof.law

What is changing for ibana customers?

ibana customers gain a complete cash cycle in one interface. Once a claim reaches the reminder stage, it can be handed over to incaseof.law in a few clicks. incaseof.law then manages escalation from out-of-court reminders to the payment-order claim and enforcement.

Financial automation and receivables management previously relied on separate systems. Businesses using a modern platform for incoming invoices, payment runs and outstanding items still needed another system for collection. ibana automates day-to-day finance; incaseof.law takes over when an outstanding item needs to become an enforceable claim.

The companies connect two complementary FinTech services: incoming invoices, payment runs and expense management through to claims backed by an enforceable title. Activation takes place directly in ibana, without switching systems, duplicate data entry or additional software. For a comparison of receivables management in Austria and Germany, see Comparison of receivables management.

What does the partnership do in concrete terms?

The partnership offers three practical benefits: no duplicate data entry, activation directly in the existing interface and no fixed-cost risk. A REST API connects the platforms.

Source: joint communication by ibana and incaseof.law, May 2026. Information on the model of incaseof.law: own data, as of July 2026.

The cost point is the decisive factor for many: incaseof.law works based on success, there are no setup fees, no licensing costs and no monthly minimum turnover. No costs from incaseof.law, even if the debtor doesn't pay. Court fees and, in Austria, MANZ transmission fees only arise once you approve court proceedings. The Debt collection costs page shows how the costs are split in detail.

What role does AI play in the process chain?

In this partnership, AI performs different tasks on each side. ibana automates the recording of incoming invoices, payment flow management and expense management with AI and agents; documents that come through the ibana interface are not analysed with AI at incaseof.law. At incaseof.law, AI only reads documents from the customer portal and court requests to correct a filing, and the team checks the result. The case team sets the dunning stages; only instalment plans run automatically, under fixed rules that are the same for everyone.

Both platforms use artificial intelligence for specific tasks, not as a marketing term. Together they create a continuous chain from document receipt through payment to enforcement, without losing data or re-entering it at handover points. Court proceedings only begin once the creditor approves them. Where incaseof.law uses AI and where the team decides is explained in the article AI in debt collection: where it helps and where people decide.

What do the business leaders say?

Both management teams see the partnership as a complete financial workflow. ibana covers the final step in the receivables cycle, while incaseof.law gains direct access to Austrian and German SMEs.

Markus Leimer, Managing Director of ibana Software GmbH: “Our mission is to radically simplify financial processes through AI and agents. With incaseof.law, we bring the final and so far most demanding regulatory step of the receivables cycle into our platform, without requiring customers to change tools. That is financial automation followed through to the end.”

Dr. Maximilian Kindler, CEO of incaseof.law GmbH: “ibana is the ideal technology partner for us: a modern, AI-driven financial platform with a strong product focus and direct access to Austrian and German SMEs. Together, we create a fully digital cash cycle, from invoice to court enforcement, on a foundation supported by Austrian Supreme Court case law.”

What can ibana customers rely on?

ibana customers rely on a regulated and highly judicially secured foundation. incaseof.law has the Austrian collection license according to trade regulations, a GISA registration and an accreditation for electronic court filing (ERV); for Germany there is a registration under the RDG (reg. no. 2024 0000 8388).

Debt collection is regulated in Austria and Germany. Through electronic legal communications (ERV), incaseof.law can reach Austrian courts directly. Its business model was also expressly confirmed by the Supreme Court in decision 4 Ob 77/23m.

This means the digital model of incaseof.law has been confirmed by the Supreme Court. The implications of this decision are explained in Legal certainty in collection. For ibana customers operating in both countries, the differences between the two legal systems are taken into account automatically in the background.

When is integration available?

The integration has been in production since May 2026. ibana and incaseof.law will accompany the launch with a joint landing page, a coordinated newsletter and webinars for existing and interested customers of both platforms.

The activation takes place opt-in: If you want to use the function, you give your explicit consent via a consent window before data is exchanged between the platforms. Both companies host in the EU and have concluded a data processing agreement under the General Data Protection Regulation. The partnership is non-exclusive and based on mutual recommendation.

About ibana

Vienna-based ibana Software GmbH provides an AI-supported financial automation platform for incoming invoices, payment runs, outstanding receivables and expense management. Integrations with accounting and ERP systems such as BMD, DATEV and RZL, plus more than 3,000 banks, support a digital workflow that handles electronic invoices. More at ibana.io.

About incaseof.law

Vienna-based incaseof.law GmbH provides a fully digital receivables management platform in Austria and Germany, from out-of-court reminders to enforcement. It holds a GISA registration and an Austrian debt collection licence, ERV accreditation and a registration under the German RDG (reg. no. 2024 0000 8388). Supreme Court decision 4 Ob 77/23m concerns its operating model. The service is success-based, with no fixed-cost risk for creditors.

Companies that want to offer digital receivables management together with incaseof.law become technology partners via the Become a Partner page. The Enterprise page guides organisations with large document volumes through the integration, and the Receivables management page shows how the costs are split.

This communication summarises the key points of the technology partnership. Information on licences, registers and the OGH decision is documented in the source block. As of October 2026.