Most recent

The essential collections scorecard framework

Evaluate your debt collection partners with our 6-dimension framework. Download our free template inside. Think about the last time you evaluated a service provider. Did you know exactly what success looked like beforehand? And were you able to compare them fairly against a competitor?

7 min read

Traditional debt collection software vs AI-driven solutions: why future-focused organisations are making the shift

Explore how AI-powered debt recovery software outperforms traditional systems to drive operational efficiency, compliance, and better customer experiences. Traditional debt collection software vs AI-driven solutions: why future-focused organisations are making the shift For finance leaders seeking a smarter, more scalable approach to managing overdue accounts, traditional debt collection software is increasingly falling short.

3 min read

What is the behavioural credit scoring model, and how does it work?

Learn how behavioural credit scoring works, why it’s reshaping finance, and how it leads to smarter, fairer debt management. Traditional credit scoring methods have a big flaw. They miss what really matters today — not just what’s on paper, but how people actually behave.

4 min read

The 2025 buyer's guide to debt collection software

Explore must-have features for 2025 debt collection software to boost recovery, ensure compliance, and create better customer experiences. Debt collection doesn’t have to be stressful. Or tedious and manual. The days of clunky spreadsheets, patchy communications, and one-size-fits-all systems are behind us.

4 min read

Understanding credit risk: the four main profiles and why they matter

Discover the 4 key credit risk profiles and how behavioural insights and AI tools are reshaping smarter financial decision-making. In today’s financial landscape, credit risk isn’t just a metric — it’s a mindset. For lenders, creditors, and collections professionals, understanding credit risk is fundamental to protecting cash flow and maintaining long-term business health.

4 min read

The future of debt collection: AI-driven and human-centric

Discover how AI is transforming debt collection with personalised strategies to improve performance, enhance operational efficiency, and increase loyalty. The future of debt collection: AI-driven and human-centric Debt collection is at a crossroads. The traditional methods — phone calls, stern letters, rigid payment terms — are rapidly losing relevance in today’s digital economy.

4 min read

Is debt collection right for your subscription business? Weigh up these pros and cons.

What should you look for in a debt collection partner? Weigh up these pros & cons of working with collections for your subscription business. If you’ve never worked with a debt collections partner, the prospect might feel a little overwhelming. We get it — there’s a lot of unknowns to deal with.

3 min read

5 reasons why leading subscription businesses partner with InDebted

InDebted is the trusted solution with five-star reviews, industry-leading performance, flexible payments, self-serve and personalisation that keeps your subscribers happy. Subscriptions have become a mainstay of households across the globe. In the US alone, the average consumer spends $924 on 4.

5 min read

The revenue impact of failed subscription payments — and how to recover it

The hidden costs of unpaid subscriptions may be doing more damage to your subscription business than you think. What happens when your subscriber misses a payment? More specifically: what happens to your revenue? In our previous post, Stop losing subscribers: the proven revenue recovery strategy that turns churn into retention, we covered:

6 min read

Stop losing subscribers: the proven revenue recovery strategy that turns churn into retention

Involuntary churn is costing subscription businesses loyal customers and revenue. Recover missed payments and reduce churn with an alternative approach. There’s a massive revenue issue affecting subscription businesses today: involuntary churn. Ever wondered how many of your subscription customers who leave, didn’t really mean to?

4 min read

5 expert-backed tips for working with multiple collection agencies

How to get the best recoveries performance from working with multiple collections agencies. How do you get the most value out of partnering with collection agencies? With over 30 years of experience in collections leadership spanning organisations such as SoFi, Citi and Upstart, there’s no better person to ask than Justin Parker, Senior Advisor at 2nd Order Solutions.

4 min read

AI debt collection vs. traditional methods: what's different?

While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection. It puts the power back into customer’s hands, to manage their debt their way. Download as PDF While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection.

5 min read

How to maximise your dunning processes

How do top subscription companies implement dunning? Unpack gold standard dunning practices to reduce your customer churn and strengthen your overall financial strategy. No one wants to lose loyal customers, but churn can be a bottleneck for every subscription business. With 27% of consumers saying they’d cancel their subscription if their payment doesn’t go through, rehabilitating customers couldn’t be more time sensitive.

5 min read

How subscription managers can get stakeholder buy-in for an external debt collection partner

Securing internal buy-in for third-party recoveries can be a hefty task. See how leading subscription companies develop an effective business case. If you understand the need for working with a debt collection partner, but have internal stakeholders to bring on the journey — this is for you.

7 min read

5 signs your subscriptions business is ready for a collections partner

Finding it tougher to chase customers? Or are you writing-off more bad debt? Take a look at the top five signs that mean it’s time to engage a debt collection agency. Download as PDF Outstanding payments are inevitable. Perhaps your customer accidentally swiped past your reminder email, or they forgot to update their account details.

6 min read

How to recover revenue on outstanding subscription payments

Subscription businesses lose 10% of annual revenue on outstanding payments. Adopt our outstanding payments recovery strategy to start reducing revenue impact, and begin extending customer lifetime value. How much revenue do you think the subscription industry loses due to outstanding payments over a 12 month period? Would you believe us if we said $278M?

4 min read

Key takeaways from Better Debt: AI and Machine Learning Masterclass

Where to start with adopting AI? Cover the basic principles with our industry experts, and work up towards how to integrate AI and Machine Learning into your organisational strategy. We all know that AI is the buzzword of the last 12 months. But how can you identify real opportunities to apply this technology to your organisation?

5 min read

5 steps to build AI into your collections strategy

Considering new technology for your recoveries? Here’s five essential steps from industry experts to create a future-proof AI collections strategy. Download as a PDF Where the idea of AI was previously reserved for the big screen, it’s now made a full debut into our reality.

5 min read

First time outsourcing collections to an agency? Here's 5 things to consider

Recover lost revenue and support your customer experience. Check out our five considerations when selecting the right debt collection agency for your business. Losing revenue on failed payments? Overdue accounts stacking up? Internal collections efforts not working out? It might be time to start thinking about engaging a collections agency.

4 min read

The relationship between customer retention and collections

How do you collect on overdue accounts and preserve your customer relationships? Explore the link between retention and collections, and how the two can go hand-in-hand. Nothing impacts your bottom line as dramatically as customer retention. These two stats alone say it all: It costs five times more to attract a new customer than it does to retain an existing one.

3 min read

5 reasons digital debt collection improves collections performance

Check out these 5 ways you can improve collections performance with digital debt collection. Now more than ever, brands are investing in digital. In 2022, 87% of organisations increased their digital engagement investment - even in a challenging economic landscape.

5 min read

Bringing voice collections into 2024

How to use voice and outbound calling in debt collection When most people hear the term ‘debt collection’, the scenario of unknown calls and a not-so-friendly voice on the other end of the line quickly starts to emerge.

6 min read

How to support customers in collections over the holiday season

How does the holiday season impact debt collection and how to strengthen recoveries for seasonality Can you hear the bells? The holiday season is well and truly here, and it’s expected to be a big one for consumer spending.

2 min read

Key takeaways from Better Debt: Scaling a global collections function

How to scale a collections function into new markets In this Better Debt episode, Klarna’s VP of Collections Jan Hansson sat down with Josh Foreman (CEO & Founder, InDebted) and Hugo Rajotte (VP Growth, InDebted) to dissect the fintech’s approach to taking collections across borders.

3 min read

Debt sale or collections agency? What to consider

How to choose between debt sale or a collections agency, what is debt sale and how does it work. When it comes to servicing overdue accounts, collections is an obvious choice - but it’s not the only one. Debt sale (or debt purchasing) is an additional option for creditors, and serves a key role in a diversified collections strategy.

3 min read

Debt collection industry predictions for 2024

Strengthen your recoveries strategy in an economic downturn to maximise collections and improve customer experience Read the full guide In 2023, The World Bank’s warning that the global economy would come ‘perilously close’ to a recession became a reality.

7 min read

Omnichannel debt collection: what it is, key benefits, and strategy

Omnichannel debt collection uses channels such as SMS and email for higher customer engagement, better operational scalability, and increased liquidation. You’ve probably heard time and time again about every debt collection agency’s omnichannel, digital debt collection offering, but what exactly does it mean?

3 min read

Putting your collections strategy to the test with a champion-challenger model

How to use a champion-challenger model in collections to strengthen liquidation rates and improve performance How do you know if you’re getting the most out of your collections strategy? Have you considered exploring other options in the market?

3 min read

What can your collections strategy learn from modern consumer behaviours?

How to engage with customers in debt collection to improve liquidation rates and conversions. To understand why traditional collections practices often miss the mark when it comes to customer experience, let’s set the scene on how today’s consumers typically make purchases, seek support, and manage their accounts.

3 min read

Evolving your collections strategy beyond linear to intelligent

How to improve your collections strategy to increase liquidation rates and meet modern consumer behaviours Download as PDF By Tracy Glen: Chief Client Officer In this guide we’ll look at how collection strategies are typically formed, what’s considered during their development and most crucially, how they can be improved.

15 min read

Choosing a debt collection partner that understands today's consumers

How to find a debt collection agency that understands modern customers and today’s consumer needs There’s no doubt, all businesses want their debt collections agency to recover as much overdue money as possible. But agencies that offer a digital-first, customer-focussed approach can also support a business’s growth plans.

2 min read

How to find a third-party debt collection agency that’s right for your business

How to find the right third party debt collection agency that is right for your business and your customers, what to look for and what to avoid The third-party collection space can seem like a minefield. There’s veteran agencies who have been collecting the same way for decades, mixed in with more progressive ones taking steps to digitise their offering.

4 min read

Things to consider when scaling your business, and collections

How to scale your business and collections across different markets Download as PDF Scaling your business can be stressful. Whether expansion is regional or international, it’s a lot of work to grow the essential cogs that keep your business running.

7 min read

What are the benefits of outsourced third-party debt collection compared to in-house?

How in-house collections team compare to outsourcing to a third party agency Download as PDF In any economic climate, a certain amount of bad debt is a given. But what do you do as a business when overdue accounts rise above that threshold?

9 min read

We asked real people in debt what they wanted from a debt collector

Find out what real people in debt want from a debt collector and how intelligent collections is responsive to their needs No one plans to fall into debt. But with inflation impacting the cost of living worldwide, consumers are feeling the pinch now more than ever.

6 min read

What makes digital debt collection more effective

Why is digital debt collection better than traditional debt collection and how does it improve recovery rates Mitigate compliance risk Compliance is a key priority for organisations and one where relying solely on a traditional approach to debt collection presents challenges.

3 min read

Reflecting on 20 years in the collections industry and embracing a new chapter

Experienced collections leader reflects on the changes in the collections industry and the future of debt collection For almost 20 years, I’ve worked in every aspect of collections and thought I’d seen it all. In my first year of University I started on the phones as a part-time collector, managing 1st and 2nd payment default on auto loans in the US.

4 min read

Debt collection partner, or debt collection software?

How to decide between a debt collection agency or a debt collection software. What should I look for in a debt collection agency Debt collection is going digital. In recent years, the mainstay of traditional debt collection outreach – the phone call – has been rendered less and less effective by changes in technology, customer preferences, and regulatory environments.

5 min read

Navigating the debt collection software tipping point

How do you develop a debt collection operation that minimises your write-off portfolio, maximises liquidation and retains your customer relationships? Here’s everything you need to know. The secret to developing the perfect debt collection operation? Understanding your tipping point. Most businesses start out handling outstanding accounts internally, often delegating responsibility to Payments or Finance teams.

6 min read

Why business should care about their customers’ financial fitness

How businesses who care about their customers financial fitness can increase customer loyalty, reduce bad debt and increase stability Why is financial literacy important? Financial knowledge is important for everyone, no matter their level of income or where they live.

6 min read

Worry-free collections compliance driven by digital

How digital debt collection meets compliance requirements and updates when regulations change Regulations around debt collection can be difficult to navigate – and for good reason as consumers need to be protected – but that can come with its challenges.

2 min read

Debt collection that puts customers first to drive commercial outcomes

Customer centric debt collection drives better commercial outcomes When the employees of a debt collection agency are paid according to how much of an overdue debt they collect, the priority isn’t placed on the customer.

2 min read

Why digital debt collection works at all stages of accounts

Why digital debt collection works at all stages of accounts and is better than traditional debt collection All debt collection agencies get asked how successful they are in retrieving accounts in later days past due. Some businesses believe the older the account, the less likely it is to be resolved using a digital approach.

2 min read

What is digital debt collection and why it works

What is digital debt collection and how does it work To generate meaningful contact with today’s consumers, traditional-one-size-fits-all methods like making multiple calls to customers are no longer as effective.

4 min read

Why traditional debt collection doesn’t work

Why traditional debt collection does not work and how it damages organisations and customer experiences in the long run Consumer behaviour has evolved Today’s customers are unrecognisable from those of even a decade ago. As technology has evolved, so have customer preferences and behaviour.

2 min read

Benefits of a seamless, digital approach to debt collection

The benefits of digital debt collection approach and how it increases recoveries for all businesses With a preference for omnichannel communication, today’s customers are more likely to respond to a digital debt collection approach. Current approach is outdated Traditional agencies rely on call centre agents that come with many points of friction, such as calling customers who may not answer or who may have a new number.

2 min read

Why debt collection needs to be a positive, supportive, human experience

Why debt collection needs to create a positive customer experience to boost liquidation rates Data analysis produces richer insights These positive experiences are a result of digital-first agencies such as InDebted better leveraging customer insights to build behavioural models of their clients’ customers.

4 min read

Digital debt collection: Returns without the risk

What is digital debt collection and how does it boost recovery rates and scales with growing businesses The benefits of a consumer-centric approach Debt collection models can no longer rely on a one-size-fits-all approach to manage overdue accounts.

4 min read

Why the future of debt collection is digital-first and customer-led

The future of debt collection is digital and puts customers first, to maximise recoveries and liquidation rates Nowadays, most consumer transactions take place online. To ensure collections don’t get left behind, collectors need to adopt a digital-first approach and meet the needs of a modern consumer base.

5 min read

How Josh Stephens champions climate change action in the workplace

How to champion climate change in a start-up with a remote global team Josh Stephens grew up in Newcastle, Australia, before moving to Sydney for a graduate position. While studying, he spent time in the startup world, where Josh discovered a love for the fast moving, dynamic environment, full of potential, opportunity and growth.

4 min read

Your RFP template for selecting an innovative debt collection agency

Include these 6 criteria (recommended by industry experts) into your next RFP for a debt collection agency. Finding the right debt collection partner for your credit or consumer-facing organisation can be overwhelming. Every agency offers something different, so how do you screen for the best fit?

5 min read

How to implement digital debt collection: A blueprint for innovation

Build effective digital debt collection operations using this step by step innovation framework. Most businesses appreciate the importance of digital-first, consumer-centric approaches, but what are the actual steps needed to put innovation into practice?

6 min read

The essential collections scorecard framework

Evaluate your debt collection partners with our 6-dimension framework. Download our free template inside. Think about the last time you evaluated a service provider. Did you know exactly what success looked like beforehand? And were you able to compare them fairly against a competitor?

7 min read

Traditional debt collection software vs AI-driven solutions: why future-focused organisations are making the shift

Explore how AI-powered debt recovery software outperforms traditional systems to drive operational efficiency, compliance, and better customer experiences. Traditional debt collection software vs AI-driven solutions: why future-focused organisations are making the shift For finance leaders seeking a smarter, more scalable approach to managing overdue accounts, traditional debt collection software is increasingly falling short.

3 min read

What is the behavioural credit scoring model, and how does it work?

Learn how behavioural credit scoring works, why it’s reshaping finance, and how it leads to smarter, fairer debt management. Traditional credit scoring methods have a big flaw. They miss what really matters today — not just what’s on paper, but how people actually behave.

4 min read

The 2025 buyer's guide to debt collection software

Explore must-have features for 2025 debt collection software to boost recovery, ensure compliance, and create better customer experiences. Debt collection doesn’t have to be stressful. Or tedious and manual. The days of clunky spreadsheets, patchy communications, and one-size-fits-all systems are behind us.

4 min read

Understanding credit risk: the four main profiles and why they matter

Discover the 4 key credit risk profiles and how behavioural insights and AI tools are reshaping smarter financial decision-making. In today’s financial landscape, credit risk isn’t just a metric — it’s a mindset. For lenders, creditors, and collections professionals, understanding credit risk is fundamental to protecting cash flow and maintaining long-term business health.

4 min read

The future of debt collection: AI-driven and human-centric

Discover how AI is transforming debt collection with personalised strategies to improve performance, enhance operational efficiency, and increase loyalty. The future of debt collection: AI-driven and human-centric Debt collection is at a crossroads. The traditional methods — phone calls, stern letters, rigid payment terms — are rapidly losing relevance in today’s digital economy.

4 min read

Is debt collection right for your subscription business? Weigh up these pros and cons.

What should you look for in a debt collection partner? Weigh up these pros & cons of working with collections for your subscription business. If you’ve never worked with a debt collections partner, the prospect might feel a little overwhelming. We get it — there’s a lot of unknowns to deal with.

3 min read

5 reasons why leading subscription businesses partner with InDebted

InDebted is the trusted solution with five-star reviews, industry-leading performance, flexible payments, self-serve and personalisation that keeps your subscribers happy. Subscriptions have become a mainstay of households across the globe. In the US alone, the average consumer spends $924 on 4.

5 min read

The revenue impact of failed subscription payments — and how to recover it

The hidden costs of unpaid subscriptions may be doing more damage to your subscription business than you think. What happens when your subscriber misses a payment? More specifically: what happens to your revenue? In our previous post, Stop losing subscribers: the proven revenue recovery strategy that turns churn into retention, we covered:

6 min read

Stop losing subscribers: the proven revenue recovery strategy that turns churn into retention

Involuntary churn is costing subscription businesses loyal customers and revenue. Recover missed payments and reduce churn with an alternative approach. There’s a massive revenue issue affecting subscription businesses today: involuntary churn. Ever wondered how many of your subscription customers who leave, didn’t really mean to?

4 min read

5 expert-backed tips for working with multiple collection agencies

How to get the best recoveries performance from working with multiple collections agencies. How do you get the most value out of partnering with collection agencies? With over 30 years of experience in collections leadership spanning organisations such as SoFi, Citi and Upstart, there’s no better person to ask than Justin Parker, Senior Advisor at 2nd Order Solutions.

4 min read

AI debt collection vs. traditional methods: what's different?

While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection. It puts the power back into customer’s hands, to manage their debt their way. Download as PDF While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection.

5 min read

How to maximise your dunning processes

How do top subscription companies implement dunning? Unpack gold standard dunning practices to reduce your customer churn and strengthen your overall financial strategy. No one wants to lose loyal customers, but churn can be a bottleneck for every subscription business. With 27% of consumers saying they’d cancel their subscription if their payment doesn’t go through, rehabilitating customers couldn’t be more time sensitive.

5 min read

How subscription managers can get stakeholder buy-in for an external debt collection partner

Securing internal buy-in for third-party recoveries can be a hefty task. See how leading subscription companies develop an effective business case. If you understand the need for working with a debt collection partner, but have internal stakeholders to bring on the journey — this is for you.

7 min read

5 signs your subscriptions business is ready for a collections partner

Finding it tougher to chase customers? Or are you writing-off more bad debt? Take a look at the top five signs that mean it’s time to engage a debt collection agency. Download as PDF Outstanding payments are inevitable. Perhaps your customer accidentally swiped past your reminder email, or they forgot to update their account details.

6 min read

How to recover revenue on outstanding subscription payments

Subscription businesses lose 10% of annual revenue on outstanding payments. Adopt our outstanding payments recovery strategy to start reducing revenue impact, and begin extending customer lifetime value. How much revenue do you think the subscription industry loses due to outstanding payments over a 12 month period? Would you believe us if we said $278M?

4 min read

Key takeaways from Better Debt: AI and Machine Learning Masterclass

Where to start with adopting AI? Cover the basic principles with our industry experts, and work up towards how to integrate AI and Machine Learning into your organisational strategy. We all know that AI is the buzzword of the last 12 months. But how can you identify real opportunities to apply this technology to your organisation?

5 min read

5 steps to build AI into your collections strategy

Considering new technology for your recoveries? Here’s five essential steps from industry experts to create a future-proof AI collections strategy. Download as a PDF Where the idea of AI was previously reserved for the big screen, it’s now made a full debut into our reality.

5 min read

First time outsourcing collections to an agency? Here's 5 things to consider

Recover lost revenue and support your customer experience. Check out our five considerations when selecting the right debt collection agency for your business. Losing revenue on failed payments? Overdue accounts stacking up? Internal collections efforts not working out? It might be time to start thinking about engaging a collections agency.

4 min read

The relationship between customer retention and collections

How do you collect on overdue accounts and preserve your customer relationships? Explore the link between retention and collections, and how the two can go hand-in-hand. Nothing impacts your bottom line as dramatically as customer retention. These two stats alone say it all: It costs five times more to attract a new customer than it does to retain an existing one.

3 min read

5 reasons digital debt collection improves collections performance

Check out these 5 ways you can improve collections performance with digital debt collection. Now more than ever, brands are investing in digital. In 2022, 87% of organisations increased their digital engagement investment - even in a challenging economic landscape.

5 min read

Bringing voice collections into 2024

How to use voice and outbound calling in debt collection When most people hear the term ‘debt collection’, the scenario of unknown calls and a not-so-friendly voice on the other end of the line quickly starts to emerge.

6 min read

How to support customers in collections over the holiday season

How does the holiday season impact debt collection and how to strengthen recoveries for seasonality Can you hear the bells? The holiday season is well and truly here, and it’s expected to be a big one for consumer spending.

2 min read

Key takeaways from Better Debt: Scaling a global collections function

How to scale a collections function into new markets In this Better Debt episode, Klarna’s VP of Collections Jan Hansson sat down with Josh Foreman (CEO & Founder, InDebted) and Hugo Rajotte (VP Growth, InDebted) to dissect the fintech’s approach to taking collections across borders.

3 min read

Debt sale or collections agency? What to consider

How to choose between debt sale or a collections agency, what is debt sale and how does it work. When it comes to servicing overdue accounts, collections is an obvious choice - but it’s not the only one. Debt sale (or debt purchasing) is an additional option for creditors, and serves a key role in a diversified collections strategy.

3 min read

Debt collection industry predictions for 2024

Strengthen your recoveries strategy in an economic downturn to maximise collections and improve customer experience Read the full guide In 2023, The World Bank’s warning that the global economy would come ‘perilously close’ to a recession became a reality.

7 min read

Omnichannel debt collection: what it is, key benefits, and strategy

Omnichannel debt collection uses channels such as SMS and email for higher customer engagement, better operational scalability, and increased liquidation. You’ve probably heard time and time again about every debt collection agency’s omnichannel, digital debt collection offering, but what exactly does it mean?

3 min read

Putting your collections strategy to the test with a champion-challenger model

How to use a champion-challenger model in collections to strengthen liquidation rates and improve performance How do you know if you’re getting the most out of your collections strategy? Have you considered exploring other options in the market?

3 min read

What can your collections strategy learn from modern consumer behaviours?

How to engage with customers in debt collection to improve liquidation rates and conversions. To understand why traditional collections practices often miss the mark when it comes to customer experience, let’s set the scene on how today’s consumers typically make purchases, seek support, and manage their accounts.

3 min read

Evolving your collections strategy beyond linear to intelligent

How to improve your collections strategy to increase liquidation rates and meet modern consumer behaviours Download as PDF By Tracy Glen: Chief Client Officer In this guide we’ll look at how collection strategies are typically formed, what’s considered during their development and most crucially, how they can be improved.

15 min read

Choosing a debt collection partner that understands today's consumers

How to find a debt collection agency that understands modern customers and today’s consumer needs There’s no doubt, all businesses want their debt collections agency to recover as much overdue money as possible. But agencies that offer a digital-first, customer-focussed approach can also support a business’s growth plans.

2 min read

How to find a third-party debt collection agency that’s right for your business

How to find the right third party debt collection agency that is right for your business and your customers, what to look for and what to avoid The third-party collection space can seem like a minefield. There’s veteran agencies who have been collecting the same way for decades, mixed in with more progressive ones taking steps to digitise their offering.

4 min read

Things to consider when scaling your business, and collections

How to scale your business and collections across different markets Download as PDF Scaling your business can be stressful. Whether expansion is regional or international, it’s a lot of work to grow the essential cogs that keep your business running.

7 min read

What are the benefits of outsourced third-party debt collection compared to in-house?

How in-house collections team compare to outsourcing to a third party agency Download as PDF In any economic climate, a certain amount of bad debt is a given. But what do you do as a business when overdue accounts rise above that threshold?

9 min read

We asked real people in debt what they wanted from a debt collector

Find out what real people in debt want from a debt collector and how intelligent collections is responsive to their needs No one plans to fall into debt. But with inflation impacting the cost of living worldwide, consumers are feeling the pinch now more than ever.

6 min read

What makes digital debt collection more effective

Why is digital debt collection better than traditional debt collection and how does it improve recovery rates Mitigate compliance risk Compliance is a key priority for organisations and one where relying solely on a traditional approach to debt collection presents challenges.

3 min read

Reflecting on 20 years in the collections industry and embracing a new chapter

Experienced collections leader reflects on the changes in the collections industry and the future of debt collection For almost 20 years, I’ve worked in every aspect of collections and thought I’d seen it all. In my first year of University I started on the phones as a part-time collector, managing 1st and 2nd payment default on auto loans in the US.

4 min read

Debt collection partner, or debt collection software?

How to decide between a debt collection agency or a debt collection software. What should I look for in a debt collection agency Debt collection is going digital. In recent years, the mainstay of traditional debt collection outreach – the phone call – has been rendered less and less effective by changes in technology, customer preferences, and regulatory environments.

5 min read

Navigating the debt collection software tipping point

How do you develop a debt collection operation that minimises your write-off portfolio, maximises liquidation and retains your customer relationships? Here’s everything you need to know. The secret to developing the perfect debt collection operation? Understanding your tipping point. Most businesses start out handling outstanding accounts internally, often delegating responsibility to Payments or Finance teams.

6 min read

Why business should care about their customers’ financial fitness

How businesses who care about their customers financial fitness can increase customer loyalty, reduce bad debt and increase stability Why is financial literacy important? Financial knowledge is important for everyone, no matter their level of income or where they live.

6 min read

Worry-free collections compliance driven by digital

How digital debt collection meets compliance requirements and updates when regulations change Regulations around debt collection can be difficult to navigate – and for good reason as consumers need to be protected – but that can come with its challenges.

2 min read

Debt collection that puts customers first to drive commercial outcomes

Customer centric debt collection drives better commercial outcomes When the employees of a debt collection agency are paid according to how much of an overdue debt they collect, the priority isn’t placed on the customer.

2 min read

Why digital debt collection works at all stages of accounts

Why digital debt collection works at all stages of accounts and is better than traditional debt collection All debt collection agencies get asked how successful they are in retrieving accounts in later days past due. Some businesses believe the older the account, the less likely it is to be resolved using a digital approach.

2 min read

What is digital debt collection and why it works

What is digital debt collection and how does it work To generate meaningful contact with today’s consumers, traditional-one-size-fits-all methods like making multiple calls to customers are no longer as effective.

4 min read

Why traditional debt collection doesn’t work

Why traditional debt collection does not work and how it damages organisations and customer experiences in the long run Consumer behaviour has evolved Today’s customers are unrecognisable from those of even a decade ago. As technology has evolved, so have customer preferences and behaviour.

2 min read

Benefits of a seamless, digital approach to debt collection

The benefits of digital debt collection approach and how it increases recoveries for all businesses With a preference for omnichannel communication, today’s customers are more likely to respond to a digital debt collection approach. Current approach is outdated Traditional agencies rely on call centre agents that come with many points of friction, such as calling customers who may not answer or who may have a new number.

2 min read

Why debt collection needs to be a positive, supportive, human experience

Why debt collection needs to create a positive customer experience to boost liquidation rates Data analysis produces richer insights These positive experiences are a result of digital-first agencies such as InDebted better leveraging customer insights to build behavioural models of their clients’ customers.

4 min read

Digital debt collection: Returns without the risk

What is digital debt collection and how does it boost recovery rates and scales with growing businesses The benefits of a consumer-centric approach Debt collection models can no longer rely on a one-size-fits-all approach to manage overdue accounts.

4 min read

Why the future of debt collection is digital-first and customer-led

The future of debt collection is digital and puts customers first, to maximise recoveries and liquidation rates Nowadays, most consumer transactions take place online. To ensure collections don’t get left behind, collectors need to adopt a digital-first approach and meet the needs of a modern consumer base.

5 min read

How Josh Stephens champions climate change action in the workplace

How to champion climate change in a start-up with a remote global team Josh Stephens grew up in Newcastle, Australia, before moving to Sydney for a graduate position. While studying, he spent time in the startup world, where Josh discovered a love for the fast moving, dynamic environment, full of potential, opportunity and growth.

4 min read

Collect

Receeve

Collect

Receeve

Customer experience

Omnichannel

Customer portal

Customer care

Trust & compliance

Regulatory compliance

Information security

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The essential collections scorecard framework

Evaluate your debt collection partners with our 6-dimension framework. Download our free template inside. Think about the last time you evaluated a service provider. Did you know exactly what success looked like beforehand? And were you able to compare them fairly against a competitor?

Traditional debt collection software vs AI-driven solutions: why future-focused organisations are making the shift

What is the behavioural credit scoring model, and how does it work?

Learn how behavioural credit scoring works, why it’s reshaping finance, and how it leads to smarter, fairer debt management. Traditional credit scoring methods have a big flaw. They miss what really matters today — not just what’s on paper, but how people actually behave.

The 2025 buyer's guide to debt collection software

Understanding credit risk: the four main profiles and why they matter

The future of debt collection: AI-driven and human-centric

Is debt collection right for your subscription business? Weigh up these pros and cons.

5 reasons why leading subscription businesses partner with InDebted

InDebted is the trusted solution with five-star reviews, industry-leading performance, flexible payments, self-serve and personalisation that keeps your subscribers happy. Subscriptions have become a mainstay of households across the globe. In the US alone, the average consumer spends $924 on 4.

The revenue impact of failed subscription payments — and how to recover it

Stop losing subscribers: the proven revenue recovery strategy that turns churn into retention

5 expert-backed tips for working with multiple collection agencies

AI debt collection vs. traditional methods: what's different?

How to maximise your dunning processes

How subscription managers can get stakeholder buy-in for an external debt collection partner

Securing internal buy-in for third-party recoveries can be a hefty task. See how leading subscription companies develop an effective business case. If you understand the need for working with a debt collection partner, but have internal stakeholders to bring on the journey — this is for you.

5 signs your subscriptions business is ready for a collections partner

How to recover revenue on outstanding subscription payments

Key takeaways from Better Debt: AI and Machine Learning Masterclass

5 steps to build AI into your collections strategy

Considering new technology for your recoveries? Here’s five essential steps from industry experts to create a future-proof AI collections strategy. Download as a PDF Where the idea of AI was previously reserved for the big screen, it’s now made a full debut into our reality.

First time outsourcing collections to an agency? Here's 5 things to consider

The relationship between customer retention and collections

5 reasons digital debt collection improves collections performance

Check out these 5 ways you can improve collections performance with digital debt collection. Now more than ever, brands are investing in digital. In 2022, 87% of organisations increased their digital engagement investment - even in a challenging economic landscape.

Bringing voice collections into 2024

How to use voice and outbound calling in debt collection When most people hear the term ‘debt collection’, the scenario of unknown calls and a not-so-friendly voice on the other end of the line quickly starts to emerge.

How to support customers in collections over the holiday season

How does the holiday season impact debt collection and how to strengthen recoveries for seasonality Can you hear the bells? The holiday season is well and truly here, and it’s expected to be a big one for consumer spending.

Key takeaways from Better Debt: Scaling a global collections function

How to scale a collections function into new markets In this Better Debt episode, Klarna’s VP of Collections Jan Hansson sat down with Josh Foreman (CEO & Founder, InDebted) and Hugo Rajotte (VP Growth, InDebted) to dissect the fintech’s approach to taking collections across borders.

Debt sale or collections agency? What to consider

Debt collection industry predictions for 2024

Strengthen your recoveries strategy in an economic downturn to maximise collections and improve customer experience Read the full guide In 2023, The World Bank’s warning that the global economy would come ‘perilously close’ to a recession became a reality.

Omnichannel debt collection: what it is, key benefits, and strategy

Putting your collections strategy to the test with a champion-challenger model

How to use a champion-challenger model in collections to strengthen liquidation rates and improve performance How do you know if you’re getting the most out of your collections strategy? Have you considered exploring other options in the market?