Research, points of view and case studies

• Blog

  Two Number 10s, one divide: where should debt sit in the debate?

  As Westminster debates where power should sit, the more pressing question for creditors is where financial pressure already sits.

  9 July 2026

• Blog

  What three weeks at MIT taught us about building agentic AI

  Ella and Matt took MIT's agentic AI course to pressure-test the AI-assisted system arum was already building. Here is what held up and what did not.

  17 June 2026

• Blog

  The next cost-of-living shock: six actions creditors should take now

  As April closes, recent government warnings have changed the planning context for UK creditors.

  28 April 2026

• Blog

  Is your AI agent actually ready? 11 questions to ask first

  Eleven questions to answer before an AI agent handles a customer in arrears, from a team that has been building them since 2019.

  2 April 2026

• Blog

  FCA motor finance redress: five things firms will underestimate

  Motor finance redress is not a remediation exercise but a large-scale transformation programme. Five things lenders will underestimate.

  31 March 2026

All articles

• Blog · Buy Now Pay Later

  BNPL is now regulated. The real work has begun.

  On 15 July 2026, Buy Now Pay Later formally entered the FCA's regulatory perimeter.

  20 July 2026 · 9 minute read

  Stephen Wright, Sales Director

• Blog · Macro economics

  Two Number 10s, one divide: where should debt sit in the debate?

  As Westminster debates where power should sit, the more pressing question for creditors is where financial pressure already sits.

  9 July 2026 · 8 minute read

  CMChloe Charles and Christie Maitland

• Blog · Digital and AI

  What three weeks at MIT taught us about building agentic AI

  Ella and Matt took MIT's agentic AI course to pressure-test the AI-assisted system arum was already building. Here is what held up and what did not.

  17 June 2026 · 5 minute read

  Matt Riddall and Ella Grice

• Blog · Digital and AI

  Buy vs. build for debt collection platforms

  In today's economic and regulatory environment, transforming collections capability is high on organisations' strategic imperatives.

  13 May 2026 · 5 minute read

  Reuben Gates, Growth Director

• Event · Events

  Payments Canada Summit 2026: what Canadian banks must do next

  Last week, we joined more than 2,500 delegates in Toronto for the 2026 Payments Canada SUMMIT.

  13 May 2026 · 4 minute read

  Stephen Wright, Sales Director

• Blog · Macro economics

  The next cost-of-living shock: six actions creditors should take now

  As April closes, recent government warnings have changed the planning context for UK creditors.

  28 April 2026 · 5 minute read

  Chloe Charles, Senior Consultant

• Blog · Macro economics

  Affordability insights: why utilities must know their customers

  Across the UK's utility sectors, affordability is fast becoming the defining challenge of 2026.

  9 April 2026 · 5 minute read

  Chloe Charles, Senior Consultant

• Blog · Digital and AI

  Is your AI agent actually ready? 11 questions to ask first

  Eleven questions to answer before an AI agent handles a customer in arrears, from a team that has been building them since 2019.

  2 April 2026 · 4 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Auto finance

  FCA motor finance redress: five things firms will underestimate

  Motor finance redress is not a remediation exercise but a large-scale transformation programme. Five things lenders will underestimate.

  31 March 2026 · 3 minute read

  aarum

• Blog · Buy Now Pay Later

  BNPL regulations 2026: what lenders must do now

  What BNPL lenders need in place for 2027, now the FCA expects firms to prove their arrears frameworks work rather than just exist on paper.

  20 March 2026 · 5 minute read

  Stephen Wright, Sales Director

• Blog · arum news

  Debt Awareness Week: better customer outcomes in modern collections

  Debt Awareness Week shines a spotlight on the financial pressures facing many households across the UK.

  19 March 2026 · 5 minute read

  KHKatie Harris, Senior Consultant

• Blog · Digital and AI

  Preparing for AI in collections and recoveries

  Artificial Intelligence is rapidly moving from concept to practical application across financial services.

  16 March 2026 · 5 minute read

  Forid Meah, Director of Advisory

• Blog · Auto finance

  FCA motor finance redress: the operational challenge for lenders

  The industry is now moving firmly from policy discussion to operational delivery.

  11 March 2026 · 4 minute read

  KHKatie Harris, Senior Consultant

• Blog · Digital and AI

  Shared ETL code libraries: improving data quality and delivery

  Shared ETL code libraries stop the same logic being rebuilt in every pipeline, and lift data quality and delivery speed in collections operations.

  19 February 2026 · 4 minute read

  Stephen Wright, Sales Director

• Blog · Buy Now Pay Later

  BNPL regulation 2026: how debt collections can stay ahead

  The most dangerous assumption you can make right now is that there is still time.

  17 February 2026 · 4 minute read

  WMWalter Mather, Consultant

• Event · Events

  arum approved webinar: EXUS on agentic AI in collections

  As customer expectations, regulation, and digital behaviours continue to evolve, traditional collections strategies are no longer enough.

  27 January 2026 · 1 minute read

  aarum

• News · arum news

  arum confirms group COO appointment

  arum has appointed Carlos Osorio as Chief Operating Officer (COO) of the Group, working alongside Jamie Waller, Executive Chair and CEO.

  26 January 2026 · 2 minute read

  aarum

• News · arum news

  arum announces appointment of executive chair and CEO

  Jamie Waller has formally taken on the roles of Executive Chair and Chief Executive Officer of arum, effective from the start of 2026.

  15 January 2026 · 2 minute read

  aarum

• Blog · Buy Now Pay Later

  Blue Monday, BNPL and credit cards: UK collections risk in 2026

  As Blue Monday marks the emotional low point of the year for many UK consumers, its financial counterpart is already emerging.

  12 January 2026 · 4 minute read

  Stephen Wright, Sales Director

• Blog · Macro economics

  What 2025 exposed, and why 2026 will separate leaders from laggards

  What 2025 exposed about collections and recoveries, and the capabilities that will separate leaders from laggards through 2026.

  22 December 2025 · 19 minute read

  Forid Meah, Director of Advisory

• Event · Events

  arum approved webinar: Flexys on designing digital journeys

  The FCA’s latest research “ Digital design for financial products and services ” focuses on the digital customer journey.

  11 December 2025 · 1 minute read

  aarum

• Blog · arum news

  Customer-centric collections: a modern approach to better outcomes

  For years, collections and customer service have been viewed as opposing forces: one focused on repayment, the other on support.

  11 December 2025 · 4 minute read

  SPScott Penman

• Blog · Macro economics

  Why the autumn budget demands action from collections leaders

  The Autumn Budget has landed and for millions already struggling, the message is clear: the vulnerable just became more vulnerable.

  26 November 2025 · 4 minute read

  HAHasib Ahmed, Principal Consultant

• Event · Events

  arum approved webinar: Financial Cloud on AI-armed customers

  AI has transformed financial services, but not in the way most expected.

  19 November 2025 · 1 minute read

  aarum