BlogTwo 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
Insights
Research, points of view and case studies
A working library from arum on technology, AI and data in collections and recoveries.
215
articles, research pieces, events and news, going back to 2014.
Editor’s pick
BNPL is now regulated. The real work has begun.
On 15 July 2026, Buy Now Pay Later formally entered the FCA's regulatory perimeter.
Stephen Wright, Sales Director
20 July 2026 · 9 minute read
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BlogWhat 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
BlogThe 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
BlogIs 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
BlogFCA 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
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Blog · Buy Now Pay LaterBNPL 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 · 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
Blog · Digital and AIBuy 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 · EventsPayments 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 · Digital and AIPreparing 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 · Digital and AIShared 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 LaterBNPL 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
Walter Mather, Consultant
Event · Eventsarum 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
arum
News · arum newsarum 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
arum
Blog · Buy Now Pay LaterBlue 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 economicsWhat 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
Blog · Buy Now Pay LaterBNPL holiday surge and credit card debt: the 2026 US outlook
Across the US and Canada, Buy Now Pay Later (BNPL) shattered holiday spending records while consumers carried near-record credit card balances into 2026.
17 December 2025 · 5 minute read
Stephen Wright, Sales Director
Blog · arum newsCustomer-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
Event · Eventsarum 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
arum
Blog · Digital and AIOperational readiness: 4 building blocks for a smooth go-live
Implementing a new collections system isn't just about standing up technology, it's about ensuring the business can operate it effectively from day one.
29 September 2025 · 3 minute read
Blog · Digital and AIMaking Agile work in collections software implementations
Implementing a new collections platform, whether PCC, Debt Manager, EFS, CACS X or another, is a major undertaking.
10 September 2025 · 4 minute read
Hasib Ahmed, Principal Consultant
Blog · Digital and AIFrom risk to readiness: testing your way to a smooth go-live
How strategic, embedded testing gives collections implementations a smoother go-live, minimal post-launch disruption and sustained compliance.
28 August 2025 · 5 minute read
Blog · Digital and AISprint to success: 7 ways to master sprint planning in collections
In the fast-paced technology space, effective sprint planning is crucial for the success of collections and recoveries projects.
15 August 2025 · 3 minute read
Hasib Ahmed, Principal Consultant
Blog · Digital and AI5 ways to build a strong collections system implementation partnership
Choosing the right collections system implementation partner is one of the most important decisions your business can make.
22 July 2025 · 4 minute read
Matt Riddall, SVP Group Client Solutions
News · arum newsarum launches Marketplace: the hall that never sleeps
arum has launched Marketplace by arum at Credit Strategy's Credit Week: a global digital exhibition hall for credit and collections, open 24 hours a day.
1 July 2025 · 2 minute read
arum
Event · Eventsarum approved webinar: C&R Software on the AI advantage
Stop guessing where AI fits and learn how leading companies are using it to upgrade customer journeys and crush business goals.
24 June 2025 · 1 minute read
arum
Blog · arum newsCollections with compassion: Why it's time to rethink our approach
Over the last few decades, the collections and recoveries industry has gone through a quiet revolution.
22 May 2025 · 3 minute read
Walter Mather, Consultant
Blog · Digital and AI3 ways AI and LLMs can accelerate your implementation
Large change programmes across banking, financial services, utilities, telco and government are using AI and large language models to deliver faster.
20 May 2025 · 3 minute read
Matt Riddall, SVP Group Client Solutions
Blog · Regulatory changeCFPB reverses course: Moves to scrap medical debt reporting ban
The CFPB has asked a federal court to vacate its own rule banning medical debt from consumer credit reports. What the reversal means for US collections.
14 May 2025 · 2 minute read
Nick Walsh, Consultant
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