Research, points of view and case studies

All articles

• Blog · Banking

  Persistent debt on credit cards: what you need to know

  On Thursday 1st March 2018 the FCA introduced their new set of rules relating to persistent debt for credit cards.

  2 March 2018 · 3 minute read

  aarum

• Blog · Digital and AI

  Top 10 collections systems: the myth

  Clients often ask for the top five or top ten collections systems. Why that list does not exist, and what to ask instead when selecting a system.

  16 January 2018 · 4 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Digital and AI

  Benefits of a new debt collection system

  Rising inflation, flat earnings and higher interest rates will push more people into difficulty. Why a modern collections system pays back in that climate.

  13 December 2017 · 5 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Digital and AI

  How to improve collections with a legacy system

  Predicting the future is tricky; you're never quite certain what is around the corner.

  11 December 2017 · 8 minute read

  MHSKMichael Haskell and Stuart King

• Blog · Digital and AI

  Migrating to Debt Manager: nine key questions and lessons learned

  In our previous migration blogs here and here, we looked at the different factors to consider when initiating a DM9 migration plan.

  8 December 2017 · 4 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Digital and AI

  Improving BAU collections strategies through agile design

  Agile design lets collections teams change strategies quickly inside business-as-usual operations. How the approach works and why arum recommends it.

  30 November 2017 · 4 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Debt purchase

  What is the future role of debt purchase in creditor strategy?

  Debt purchase has been in the headlines. What the coverage gets right, and the role debt sale should play in a creditor's collections strategy.

  28 November 2017 · 6 minute read

  aarum

• Blog · Water

  Three-step plan of action to respond to OFWAT

  Recently OFWAT released their Affordability and Debt document and it has made interesting reading.

  12 October 2017 · 5 minute read

  aarum

• Blog · Digital and AI

  Lessons learnt on collections systems, part 1: documentation

  Over my last ten years in the Collections and Recoveries industry I have been involved with many migration projects as a user, developer and finally as a consultant.

  26 September 2017 · 7 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Regulatory change

  GDPR: what you need to know in collections and recoveries

  Late last year I attended an event in London on compliance and control within the Collections and Recoveries area.

  30 August 2017 · 7 minute read

  aarum

• Blog · Digital and AI

  Design lessons for collections systems, from tabletop wargaming

  One of my hobbies is tabletop wargaming - games with miniature figures, maligned in some quarters but actually a very social and creative pastime.

  15 August 2017 · 5 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Regulatory change

  Are you responsible? The regulatory net is widening

  This week the FCA have formally launched their consultation paper on extending the Senior Manager & Certification Regime (SM&CR) to all firms they regulate.

  28 June 2017 · 5 minute read

  aarum

• Blog · Regulatory change

  IFRS9 … what you need to know in Collections and Recoveries

  Those of us in Collections and Recoveries have seen plenty of regulatory change over the last few years.

  14 June 2017 · 5 minute read

  aarum

• Blog · Regulatory change

  Vulnerability is on every regulator's plan for 2017

  Over the past few years the credit industry has seen large changes and a focus on the vulnerability of consumers.

  12 May 2017 · 4 minute read

  aarum

• Blog · Regulatory change

  Unauthorised FCA companies: consumers beware, creditors be savvy

  How FCA authorisation protects consumers, why unauthorised firms are a risk, and what creditors should check before working with a third party.

  25 April 2017 · 6 minute read

  aarum

• Blog · Digital and AI

  Improving customer experience through exceptions in Tallyman

  How exception handling in Experian Tallyman automates key processes, reduces agent effort and creates a more consistent customer experience.

  20 April 2017 · 3 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Water

  Open Water and its impact on debt collection: Q&A with Sandy Duckett

  Sandy Duckett on what Open Water changed for water companies, and what it meant for debt collection and recoveries in the sector.

  29 March 2017 · 3 minute read

  aarum

• Blog · Events

  Utilities and communicating with vulnerable customers

  Last Thursday (16 th March 2017) arum were the sole sponsors of Utility Week's annual Consumer Debt Conference.

  23 March 2017 · 5 minute read

  aarum

• Blog · Digital and AI

  Introducing change into Experian Tallyman

  Experian Tallyman lets organisations introduce change in an agile environment. How well-implemented processes unlock revenue, productivity and better experience.

  10 March 2017 · 2 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Digital and AI

  Market intelligence needed to select collections technology

  The collections systems market has moved from a few similar vendors to real choice. Why market intelligence now decides whether you get the right deal.

  1 March 2017 · 3 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · arum news

  Constructing a world class culture

  For much of the last 20 years Cultural Change in the Banking and Financial Services Industry was viewed by many as a "nice to have".

  10 February 2017 · 4 minute read

  aarum

• Blog · arum news

  You can't win anything with kids

  Alan Hansen's famous line about Manchester United holds a lesson for collections teams: the best results come from blending youth and experience.

  16 January 2017 · 4 minute read

  aarum

• Blog · DCA and BPO

  Is debt collection turning soft?

  In the last few years there has been a raft of changes in the Debt Collection market, with regards to change in regulatory bodies and stricter guidelines.

  2 December 2016 · 3 minute read

  aarum

• Blog · Digital and AI

  Digitalisation in collections: lessons from other industries

  I've been a collections and recoveries consultant for over a decade and have worked with numerous financial services and utilities organisations around the world.

  28 November 2016 · 5 minute read

  Matt Riddall, SVP Group Client Solutions