Preparing Your Agency for the End of Finvi CUBS
If your agency is still running on Finvi CUBS, you’re not alone. Built by Ontario Systems, CUBS powered the collection industry for decades. But Finvi (formerly Ontario Systems) has shifted its focus to other priorities while legacy products like Artiva, FACS, and Simplicity continue to show their age.
Finvi has already announced that CUBS will sunset by 2026, meaning every agency still on the system must migrate. For collection agencies in healthcare, financial institutions, or general accounts receivable, this is both a challenge and an opportunity.
- The Challenge: CUBS was built before automation, omnichannel outreach, and workflow automation were industry standards.
- The Opportunity: Migration is a chance to streamline operations, adopt modern debt collection software, and improve revenue recovery with AI-driven, data-driven tools that support today’s compliance environment.
Here are essential steps from our CUBS Migration Guide that every agency leader should know. Download the full guide here.
Step 1: Review Your Contract Terms
- Are you locked into auto-renewal with Finvi?
- How much notice is required before canceling (30, 60, or 90 days)?
- Can you shift to month-to-month to create flexibility in your migration timeline?
Why it matters: Most collection systems from the Finvi era tie agencies into rigid contracts and add-ons (like payment solutions, dialers, or letter vendors). Knowing your obligations keeps you from paying for services you no longer need.
Step 2: Decide on a Data Extraction Path
CUBS offers two main export options:
- Standard Export: Cheaper, but excludes advanced data such as lawsuits, judgments, and custom fields.
- ODBC/Back-End Access: A one-time fee (around $1,200) gives full access to all structures, ensuring you capture everything—from payment processing tokens to historical workflow data.
A complete dataset is critical for compliance with the CFPB and FTC.
Step 3: Map Account & Debtor Linking
CUBS “packetizes” accounts in ways that can confuse modern systems:
- Could a spouse-only account be linked to a “primary debtor”?
- Could “Name 2” appear as the main identifier?
Untangling this now ensures your new software platform doesn’t misclassify accounts. That’s especially important if you’re using machine learning segmentation or AI-driven outreach to prioritize follow-up functions later.
Step 4: Audit Your Balance Categories
In CUBS, balance categories live in the P-Screen. Before you move:
- Confirm which categories tie to judgments or interest-bearing balances.
- Map which affect payment solutions, self-service portals, or client reporting.
Without a clean balance map, you risk losing clarity in real-time dashboards, frustrating clients, and creating compliance blind spots.
Step 5: Surface Active Payment Plans
Recurring plans and tokens are often hidden deep in CUBS. Some may not even export cleanly. Before migration:
- Identify every active plan tied to payment processing.
- Document consumer preferences for ACH, card, or text-to-pay via SMS.
- Capture which plans involve partnerships with creditors in healthcare or financial institutions.
Losing this data can disrupt cash flow and undermine your revenue recovery strategy.
Want the Other 5 Steps?
These 5 steps are just the beginning. In our full CUBS Migration Guide: 10 Steps to Take, we cover:
- Typical timelines for migrating out of Finvi CUBS
- How to replace bolt-on add-ons with integrated omnichannel outreach
- Why agencies that treat migration as transformation—not just a switch—win the most
👉 Download the full guide below and set your agency up for a smooth, compliant transition out of Finvi CUBS.
Disclosure: The views and comparisons in this article reflect our own analysis and perspective as the team at Aktos. Readers should evaluate solutions based on their own needs.
