Research, points of view and case studies

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.

  July 20, 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.

  June 17, 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 organizations' strategic imperatives.

  May 13, 2026 · 5 minute read

  Reuben Gates, Growth Director

• Blog · Digital and AI

  Preparing for AI in collections and recoveries

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

  March 16, 2026 · 5 minute read

  Forid Meah, Director of Advisory

• 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.

  February 19, 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.

  February 17, 2026 · 4 minute read

  WMWalter Mather, Consultant

• 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.

  January 12, 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.

  December 22, 2025 · 19 minute read

  Forid Meah, Director of Advisory

• Blog · Buy Now Pay Later

  BNPL 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.

  December 17, 2025 · 5 minute read

  Stephen Wright, Sales Director

• 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.

  December 11, 2025 · 4 minute read

  SPScott Penman

• Blog · Digital and AI

  Operational 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.

  September 29, 2025 · 3 minute read

  DFDarren Furlong

• Blog · Digital and AI

  Making Agile work in collections software implementations

  Implementing a new collections platform, whether PCC, Debt Manager, EFS, CACS X or another, is a major undertaking.

  September 10, 2025 · 4 minute read

  HAHasib Ahmed, Principal Consultant

• Blog · Digital and AI

  From 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.

  August 28, 2025 · 5 minute read

  JLJamie Lockey

• Blog · Digital and AI

  Sprint 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.

  August 15, 2025 · 3 minute read

  HAHasib Ahmed, Principal Consultant

• Blog · Digital and AI

  5 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.

  July 22, 2025 · 4 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · arum news

  Collections 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.

  May 22, 2025 · 3 minute read

  WMWalter Mather, Consultant

• Blog · Digital and AI

  3 ways AI and LLMs can accelerate your implementation

  Large change programs across banking, financial services, utilities, telco and government are using AI and large language models to deliver faster.

  May 20, 2025 · 3 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Regulatory change

  CFPB 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.

  May 14, 2025 · 2 minute read

  NWNick Walsh, Consultant

• Blog · Digital and AI

  Fail to plan, plan to fail: 7 collections transformation basics

  A collections system implementation is one of the most strategic and high-impact transformations an organization can undertake.

  May 7, 2025 · 4 minute read

  MKMike Knight

• Blog · Digital and AI

  8 value drivers for maximizing ROI in collections transformations

  Transforming your debt collections system is a substantial investment of time, money, and resources.

  April 17, 2025 · 4 minute read

  NWNick Walsh, Consultant

• Blog · Digital and AI

  From selection to signature: 7 tips for contract negotiation

  Selecting a new debt collection platform is a major strategic decision. Once the preferred vendor has been chosen, it's easy to think that the hard part is over.

  April 3, 2025 · 3 minute read

  Forid Meah, Director of Advisory

• Blog · Digital and AI

  8 ways to ensure successful collections system demo days

  When procuring a new debt collection platform, the demonstration days are pivotal events that can shape the direction of your decision-making process.

  March 6, 2025 · 3 minute read

  Owen Atkinson, Director of Delivery

• Blog · Digital and AI

  Why defining requirements decides your implementation

  The story I'm about to tell may sound sensational, but unfortunately, it's all too common.

  February 25, 2025 · 2 minute read

  Matt Riddall, SVP Group Client Solutions

• Blog · Regulatory change

  4 ways US consumers are affected by the CFPB suspension

  The CFPB has regulated US financial services for over a decade.

  February 18, 2025 · 3 minute read

  NWNick Walsh, Consultant