Based on our analysis of key market trends, and supplemented by insights from industry leaders and experts who are actively shaping the future of collections, here are our predictions for how the debt collection industry will evolve in 2025. We hope it’ll help you to plan effectively for the year ahead.
Our Collections insights
Guides, resources and data you can use to take your collections to the next level
7
min readThe essential collections scorecard framework
Evaluate your debt collection partners with our 6-dimension framework. Download our free template inside.
2
min readHow compliance is built-in to our third-party solution
From the get-go, our Collect solution is designed with compliance at its core. All local regulations and contact limits are embedded into our machine learning and AI technology by code. This ensures that across our operational markets, all collections activity remains within the boundaries of specific requirements.
1
min readHow data security and protection is embedded into our third-party solution
"With InDebted, your data is protected to the highest standards. Our dedicated Information Security team manages the implementation of all information security related policies."
1
min readHow we train our agents
Each member of our Customer Experience team is focused on delivering positive outcomes for customers and partners. To support this, the team is backed by a comprehensive, custom training program.
1
min readIntroduction to InDebted’s omnichannel strategy
"Omnichannel debt collection means being able to support customers across multiple channels, with a continuous, consistent experience. This means customers can pick up the conversation where they left off, regardless of the channel they’re using to communicate."
1
min readWhat is InDebted’s Data Lake
InDebted’s Data Lake stores all global customer insights, providing a central library for our machine learning and AI models to learn from.
3
min readTraditional 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.
4
min readWhat 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.
4
min readThe 2025 buyer's guide to debt collection software
What are the must-have features for debt collection software in 2025? And how can they help boost recovery, ensure compliance, and create better customer experiences?
4
min readUnderstanding 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.
4
min readThe 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.
3
min readSupporting Shariah-compliant lenders: a human-centered collections approach
Discover how InDebted’s digital innovation and ethical collections support Shariah-compliant lenders while maintaining customer trust and brand values.
1
min readUnpacking the Collect solution customer journey
Take a behind-the-scenes look at our Collect solution as Hugo Rajotte, our VP of Growth, walks through
12
min readDebt collection in 2025: trends, technologies and opportunities
Key predictions and expert insights on where the collections industry is headed in 2025.
3
min readIs debt collection right for your subscription business? Weigh up these pros and cons.
Sending your subscribers to collections? We answer your most commonly asked questions here.
5
min read5 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.
6
min readThe 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.
4
min readStop 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.
5
min readYour 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.
4
min read5 expert-backed tips for working with multiple collection agencies
Diversifying your collections panel can be a game changer for your organisation.
5
min readAI 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.
4
min readImproving collections strategy by 30% with machine learning
Contacting customers digitally to recover overdue accounts is one way to improve your customer experience. But predicting how each customer prefers to engage, and adapting each step of their journey accordingly takes your collections to entirely new levels of personalisation.
5
min readThe state of financial wellbeing in Australia, the United Kingdom and the United States, and how collections can support
How are your consumers coping financially? See the state of financial wellbeing across key markets, featuring the latest insights and practical actions for supporting stretched customers.
4
min readBreaking down the six components of CPS230 and how they apply to all organisations
Unsure where to start with operational resilience? Unpack the six fundamentals that every organisation needs to better manage disruption and risk.
3
min readKey takeaways from Better Debt: Setting your collections up for success with CPS230
Need to prepare for CPS230? Get expert advice from David Malcolm (PwC Australia) and Poli Konstantinidis (Prev. Experian & Latitude) on the new standards, and setting your collections up for success.
5
min readHow to maximise your dunning processes
With 27% of consumers saying they’d cancel their subscription if their payment fails, rehabilitating customers couldn’t be more time sensitive.
7
min readHow subscription managers can get stakeholder buy-in for an external debt collection partner
Let’s look at how our subscription-based clients develop an effective business case to secure internal buy-in.
6
min read5 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 partner.
4
min readHow to recover revenue on outstanding subscription payments
On average, your subscription business loses almost 10% of revenue each year due to outstanding payments. Start reducing the impact on your bottom line with our outstanding payments strategy.
4
min readUK financial wellbeing in 2024: How can collections support customers through tough times?
With more people likely to miss payments and slip into defaults, how can collections work with customers to find a way forward?
5
min readKey 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.
5
min read5 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.
4
min readFirst 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.
3
min readThe 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.
5
min read5 reasons digital debt collection improves collections performance
Check out these 5 ways you can improve collections performance with digital debt collection.
6
min readBringing voice collections into 2024
There’s no doubt that voice has a part to play in a successful recoveries strategy, but it’s about time to shake off poor outbound calling practices and misaligned incentives tainting the collections industry.
2
min readHow to support customers in collections over the holiday season
While the holiday season is a great time for the economy, how does consumer spending over this period translate into collections?
3
min readKey takeaways from Better Debt: Scaling a global collections function
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 readDebt sale or collections agency? What to consider
When it comes to servicing overdue accounts, collections is an obvious choice - but it’s not the only one.
4
min readCollections insights over tax season, and what you can do to prepare now
We sat down with Dan Simmons, Senior Director of Financial Consulting at TransUnion to explore the top four areas to focus on to get your collections ready, and make the most out of the upcoming deadline.
7
min readDebt collection industry predictions for 2024
Now more than ever, it’s time for credit providers to reassess their collections strategy to ensure it can withstand the flow on effects of a few tumultuous years going into 2024. Keep reading to learn how to prepare, what’s in store, and our expert tips.
4
min readThe United States economy and its impact on debt collection
Let’s take a closer look at the trends impacting the economic climate in the US, and their potential implications on the collections industry.
2
min readKey takeaways from Better Debt: Supporting borrowers through a shifting economy
The need-to-know on how to prepare your collections and support borrowers in a shifting economy
3
min readOmnichannel debt collection: what it is, key benefits, and strategy
Unpack why omnichannel communications are essential in debt collection to optimise recoveries, and customer satisfaction.
3
min readPutting your collections strategy to the test with a champion-challenger model
Using a champion-challenger model, you can introduce healthy competition to drive performance uplifts across multiple areas.
3
min readExploring debt collection technology: SMS in the United States
Learn more about the debt collection technology that powers compliant SMS communications in the United States
6
min readHow to implement digital debt collection: A blueprint for innovation
Most businesses appreciate the importance of digital-first, consumer-centric approaches, but what are the actual steps needed to put innovation into practice?
5
min readProtect your customers with coded collections compliance
Collections compliance in the United States can feel like a minefield. Here we'll dive into how regulations are built-in by code to Collect, to protect your business and customers.
3
min readWhat can your collections strategy learn from modern consumer behaviours?
It's no secret that traditional collections practices often miss the mark when it comes to customer experience. But where should innovation be prioritised, and why?
15
min readEvolving your collections strategy beyond linear to intelligent
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.
5
min readBest practices for chatbots in consumer finance
The Consumer Financial Protection Bureau has outlined their key concerns around using chatbots. Find out how to implement these new tools safely and efficiently with this guide from Tim Collins, Chief Compliance Officer.
2
min readChoosing a debt collection partner that understands today's consumers
In such a competitive environment, fintechs and buy now, pay later providers are laser focussed on innovation and growth, leaving little time to develop a collections strategy. Outsourcing can be an effective solution, as long as you know what to look for in a debt collections agency.
4
min readHow to find a third-party debt collection agency that’s right for your business
With thousands of collection agencies in the market, how do you decide who’s right for your business? Arguably more important, how do you know who’s right for your customers?
12
min readIntroduction to InDebted and what we do
How intelligent debt collection creates a better way to support businesses to get their customers back on track
7
min readThings to consider when scaling your business, and collections
Seven essentials to successfully scale your collections across multiple markets
2
min readUsing SMS and emails in collections in the US
How to maximise collections and improve customer experience in a challenging economic environment
9
min readWhat are the benefits of outsourced third-party debt collection compared to in-house?
See how internal collections compare to outsourcing to a third-party agency
3
min readWhat makes digital debt collection more effective
Traditional debt collection has long struggled with its image. Today, organisations should consider a digital-first approach that centres around communication. Here we explore the key benefits of a modern, omnichannel approach to debt collection.
4
min readAs the cost of living crisis deepens, debt collection that places customer-outcomes at its core is more vital than ever
UK consumers are experiencing the highest inflation rate in 40 years, reaching a staggering 9% in June 2022. With the price of consumer goods continuing to rise and utility bills soaring amongst an unstable global climate, how are Brits really feeling about the future of their financial wellbeing?
5
min readDebt collection partner, or debt collection software?
Deciding on whether to partner with a debt collection agency or use collection software depends on a few things. Read what’s essential to know when making the right choice for your business.
6
min readNavigating 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.
3
min readUnpacking the limitations of debt collection software
Overdue accounts can quickly build, but at what point do you engage a debt collection agency or use a collections software? Before making the right decision for your business, consider the limitations of software and how the oversights can fast impact recovery potential.
4
min readHow Reg F is an opportunity for businesses to improve customer experience
Use Reg F as an opportunity to transform your collections and maximise recovery rates, with a customer-centric collections experience
3
min read3 tips for evaluating a Reg F compliant debt collection vendor
Now that the rules have changed with the introduction of Regulation F, it’s essential to ensure your partner in debt recovery is modern, reputable, and perhaps most importantly, Reg F compliant.
5
min readDebt collection software or debt collection agency? How to choose
Overdue accounts growing? Avoid common pitfalls when deciding between debt collection software or a collections partner, to make the right choice for your business.
6
min readWhy business should care about their customers’ financial fitness
Unfortunately, not all customers pay their debts on time and those that fall behind with one company, are often likely to be behind with others. But it’s in an organisation’s best interests to help get their customers back on track.
2
min readHow InDebted offers a simple and seamless onboarding experience
When you decide to partner with a debt collection agency, it's just the beginning of the relationship. Before you can begin referring accounts and outsourcing your debt collection, onboarding is the gateway. With intelligent debt collection, we keep the onboarding process simple and seamless.
2
min readWorry-free collections compliance driven by digital
Meeting debt collection compliance requirements is less likely to be on the top of your organisation’s priority list, which is why most businesses outsource their collections. But, how do you make sure your collections partner has built-in compliance mechanisms, to protect your business and your customers?
2
min readDebt collection that puts customers first to drive commercial outcomes
Focus on creating a positive collections experience to increase recoveries
3
min readHow InDebted helps BNPLs fulfil domestic and global ambitions
The buy now, pay later sector has expanded exponentially around the world. But this rapid growth has brought its own challenges, especially around how to deal with overdue accounts – and this is where intelligent debt collection comes in.
2
min readWhy digital debt collection works at all stages of accounts
Digital-first debt collection works of all stages of accounts, and consistently outperforms traditional approaches. Here’s why.
4
min readWhat is digital debt collection and why it works
Digital debt collection is becoming more and more prevalent, but how is it different from traditional collections and how does it improve performance?
2
min readWhy traditional debt collection doesn’t work
Digital communication is the number one choice for the majority of customers. Debt collection should be no different, yet there are organisations who still use traditional collection methods. So, what are they missing?
2
min readBenefits of a seamless, digital approach to debt collection
While businesses understand the importance of having a customer-centric approach, how many apply this to their debt collection processes - whether this is an initial internal process or one that is outsourced? Here we sum up the benefits of a digital-first approach to debt collection, and why it’s the only viable solution for today’s organisations.
5
min readHanging up on traditional debt collection: How Reg F can improve communication in debt collection
See how Regulation F is an opportunity for businesses to improve customer experience through better means of communication in the debt collection process.
4
min readWhy debt collection needs to be a positive, supportive, human experience
Customers and businesses struggling to meet their financial commitments are more likely to respond to debt collectors who provide a positive experience – which is why the future of debt collection is intelligent.
4
min readDigital debt collection: Returns without the risk
The long-held stigma around debt collection has meant organisations often write off overdue debts rather than risk damaging their brand. But a digital-first model offers the potential for commercial returns without the risk.
5
min readWhy the future of debt collection is digital-first and customer-led
The relationship organisations have with their customers these days is very much a digital one – which is why a digital approach is vital also to successful collections.
3
min readBenefits of resolving with InDebted
Finances aren’t always easy, but it’s easy to fall behind. Resolving your debt with InDebted is designed to be simple, seamless and supportive. Here are the benefits of working with us to get back on track.