Collections and recoveries technology, AI and data.
Insights
A working library from arum on technology, AI and data in collections and recoveries.
articles, research pieces, events and news, going back to 2014.
Showing 163 articles
Blog
Blog · Digital and AIWhich path to take with an existing Debt Manager estate: optimize the current release, upgrade, or move to C&R's SaaS. What a migration involves and what to fix first. By Forid Meah, arum.
5 November 2026 · 7 minute read
Forid Meah, Director of Advisory
Blog · Digital and AIStill running Experian Tallyman? How long the estate should stay, what is worth improving now, and how to plan the move to PowerCurve Collections or the wider market.
29 October 2026 · 7 minute read
Matt Riddall, SVP, Marketplace, Data and AI
Blog · Digital and AIChoosing a collections and recoveries system means setting requirements first, mapping the whole market against them, shortlisting on evidence, testing the shortlist with scripted scenario demonstrations, and negotiating the contract before implementation starts.
22 October 2026 · 7 minute read
Matt Riddall, SVP, Marketplace, Data and AI
Blog · Buy Now Pay LaterOn 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 economicsAs Westminster debates where power should sit, the more pressing question for creditors is where financial pressure already sits.
9 July 2026 · 8 minute read
Blog · Digital and AIElla 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 AIIn 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
Blog · Macro economicsAs 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 economicsAcross 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 AIEleven 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 financeMotor finance redress is not a remediation exercise but a large-scale transformation programme. Five things lenders will underestimate.
31 March 2026 · 3 minute read
arum
Blog · Buy Now Pay LaterWhat 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 newsDebt Awareness Week shines a spotlight on the financial pressures facing many households across the UK.
19 March 2026 · 5 minute read
Katie Harris, Senior Consultant
Blog · Digital and AIArtificial 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 financeThe industry is now moving firmly from policy discussion to operational delivery.
11 March 2026 · 4 minute read
Katie Harris, Senior Consultant
Blog · Digital and AIShared 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 LaterThe most dangerous assumption you can make right now is that there is still time.
17 February 2026 · 4 minute read
Walter Mather, Consultant
Blog · Buy Now Pay LaterAs 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 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 · arum newsFor 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
Blog · Macro economicsThe 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
Hasib Ahmed, Principal Consultant
Blog · EnergyOfgem's proposed Debt Relief Scheme changes how the energy industry manages debt and supports vulnerable customers.
6 November 2025 · 3 minute read
Owen Atkinson, Director of Delivery
Blog · Auto financeThe FCA's industry-wide motor finance redress scheme changes the work of lenders, brokers and anyone collecting or recovering motor finance debt.
23 October 2025 · 5 minute read
Katie Harris, Senior Consultant
Blog · Digital and AIAround the world, regulators and consumer advocates are intensifying their focus on how organisations identify and support financially vulnerable customers.
14 October 2025 · 4 minute read
