Most recent

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 mins 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 mins 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 mins read

Supporting 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. In Islamic finance, the principles of ethical conduct, fairness, and transparency aren’t just guidelines — they’re fundamental requirements. These values shape every aspect of financial services, from product development through to customer interactions.

3 mins 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 mins 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 mins 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 mins 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 mins read

Breaking 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. Complying with CPS230 ‘s updated standards from July 2025 onwards is front of mind for all APRA-regulated financial institutions this year.

4 mins read

Key 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. How are you preparing for APRA’s updated CPS230 standards? In this Better Debt episode, InDebted’s CEO & Founder Josh Foreman unpacked the new standards with experts David Malcom, Risk Management Specialist - PwC Australia, and Industry SME, Poli Konstantinidis - previously Experian & Latitude.

3 mins 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 mins read

Collections insights over tax season, and what you can do to prepare now

How to prepare collections for 2024 tax season and optimize recoveries Featuring Dan Simmons - Senior Director Financial Consulting, TransUnion Tax season. Two words that are marked in red on every creditor and collection agency’s calendar.

4 mins 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 mins read

Exploring debt collection technology: SMS in the United States

Learn more about the debt collection technology that powers compliant SMS communications in the United States SMS messaging in collections is still a relatively new concept. Navigating associated regulations, privacy requirements and risks present challenges that can unfortunately stifle innovation such as the introduction of new digital channels.

3 mins 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 mins read

Best practices for chatbots in consumer finance

Everything you need to know about best practices for using chatbots in consumer finance Read the full guide The influx of artificial intelligence (AI) and machine learning has sparked the widespread adoption of chatbots as an economic solution for customer support, particularly in financial services.

5 mins 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 mins 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 mins 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 mins 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 mins 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 mins 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 mins read

InDebted launches into the UK, finding that 2 in 3 Brits dealing with existing debt collectors experience “stressful” treatment

InDebted launches into UK debt collection. New research highlights impact of broken debt collection tactics on consumers. As consumer debt rises in the UK, new research by InDebted lays bare dissatisfaction with the country’s broken debt collection model This research evidences that a new solution to debt collection is required, as InDebted launches its intelligent digital platform into the UK to improve the consumer experience of debt and support financial wellbeing Around 2 in 3 UK adults (64%) who have interacted with existing debt collectors in the UK say the experience was “stressful”, increasing to about 3 in 4 (74%) among 18-34 year olds Nearly half (49%) have experienced harassment or aggression as a result of tactics frequently used in traditional debt collection InDebted, the Australian-founded global fintech transforming the world of consumer debt recovery, reveals new research highlighting the impact of the UK’s existing broken debt collection model on consumers.

5 mins 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 mins read

How Reg F is an opportunity for businesses to improve customer experience

How to stay compliant with Regulation F and customer experience After years of commentary and discussion, the Consumer Financial Protection Bureau (CFPB) issued a ruling to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

4 mins read

3 tips for evaluating a Reg F compliant debt collection vendor

How to evaluate and check that a debt collection agency is compliant with Regulation F The Consumer Financial Protection Bureau’s passing of Regulation F has increased restrictions on traditional call and collect debt collection practices. Debt collection strategies centred on high volumes of voice calls were already becoming outdated as consumers increasingly prefer omnichannel communications.

3 mins 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 mins 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 mins read

Hanging up on traditional debt collection: How Reg F can improve communication in debt collection

How Regulation F is an opportunity for businesses to improve communication and customer experience in debt collection What is Regulation F and why is it important? In November 2021, the Consumer Financial Protection Bureau (CFPB) enacted a regulation to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

5 mins 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 mins 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 mins 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 mins 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 mins 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 mins read

Supporting 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. In Islamic finance, the principles of ethical conduct, fairness, and transparency aren’t just guidelines — they’re fundamental requirements. These values shape every aspect of financial services, from product development through to customer interactions.

3 mins 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 mins 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 mins 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 mins 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 mins read

Breaking 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. Complying with CPS230 ‘s updated standards from July 2025 onwards is front of mind for all APRA-regulated financial institutions this year.

4 mins read

Key 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. How are you preparing for APRA’s updated CPS230 standards? In this Better Debt episode, InDebted’s CEO & Founder Josh Foreman unpacked the new standards with experts David Malcom, Risk Management Specialist - PwC Australia, and Industry SME, Poli Konstantinidis - previously Experian & Latitude.

3 mins 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 mins read

Collections insights over tax season, and what you can do to prepare now

How to prepare collections for 2024 tax season and optimize recoveries Featuring Dan Simmons - Senior Director Financial Consulting, TransUnion Tax season. Two words that are marked in red on every creditor and collection agency’s calendar.

4 mins 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 mins read

Exploring debt collection technology: SMS in the United States

Learn more about the debt collection technology that powers compliant SMS communications in the United States SMS messaging in collections is still a relatively new concept. Navigating associated regulations, privacy requirements and risks present challenges that can unfortunately stifle innovation such as the introduction of new digital channels.

3 mins 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 mins read

Best practices for chatbots in consumer finance

Everything you need to know about best practices for using chatbots in consumer finance Read the full guide The influx of artificial intelligence (AI) and machine learning has sparked the widespread adoption of chatbots as an economic solution for customer support, particularly in financial services.

5 mins 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 mins 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 mins 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 mins 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 mins 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 mins 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 mins read

InDebted launches into the UK, finding that 2 in 3 Brits dealing with existing debt collectors experience “stressful” treatment

InDebted launches into UK debt collection. New research highlights impact of broken debt collection tactics on consumers. As consumer debt rises in the UK, new research by InDebted lays bare dissatisfaction with the country’s broken debt collection model This research evidences that a new solution to debt collection is required, as InDebted launches its intelligent digital platform into the UK to improve the consumer experience of debt and support financial wellbeing Around 2 in 3 UK adults (64%) who have interacted with existing debt collectors in the UK say the experience was “stressful”, increasing to about 3 in 4 (74%) among 18-34 year olds Nearly half (49%) have experienced harassment or aggression as a result of tactics frequently used in traditional debt collection InDebted, the Australian-founded global fintech transforming the world of consumer debt recovery, reveals new research highlighting the impact of the UK’s existing broken debt collection model on consumers.

5 mins 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 mins read

How Reg F is an opportunity for businesses to improve customer experience

How to stay compliant with Regulation F and customer experience After years of commentary and discussion, the Consumer Financial Protection Bureau (CFPB) issued a ruling to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

4 mins read

3 tips for evaluating a Reg F compliant debt collection vendor

How to evaluate and check that a debt collection agency is compliant with Regulation F The Consumer Financial Protection Bureau’s passing of Regulation F has increased restrictions on traditional call and collect debt collection practices. Debt collection strategies centred on high volumes of voice calls were already becoming outdated as consumers increasingly prefer omnichannel communications.

3 mins 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 mins 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 mins read

Hanging up on traditional debt collection: How Reg F can improve communication in debt collection

How Regulation F is an opportunity for businesses to improve communication and customer experience in debt collection What is Regulation F and why is it important? In November 2021, the Consumer Financial Protection Bureau (CFPB) enacted a regulation to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

5 mins 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 mins read

Collect

Receeve

Collect

Receeve

Customer experience

Omnichannel

Customer portal

Customer care

Trust & compliance

Regulatory compliance

Information security

Trust centre

Performance

Scalability

Machine learning

Collect’s AI

Collect

Receeve

Automation

Strategy

Payments

Intelligence

Management

Receeve's AI

Control

Compliance architecture

Integrations

North America

United States

Canada

Latin America

Mexico

APAC

Australia

New Zealand

EMEA

United Kingdom

United Arab Emirates

About

About InDebted

Join

Careers

News

Newsroom

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.

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

Supporting Shariah-compliant lenders: a human-centered collections approach

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.

5 expert-backed tips for working with multiple collection agencies

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

Breaking 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. Complying with CPS230 ‘s updated standards from July 2025 onwards is front of mind for all APRA-regulated financial institutions this year.

Key takeaways from Better Debt: Setting your collections up for success with CPS230

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.

Collections insights over tax season, and what you can do to prepare now

How to prepare collections for 2024 tax season and optimize recoveries Featuring Dan Simmons - Senior Director Financial Consulting, TransUnion Tax season. Two words that are marked in red on every creditor and collection agency’s calendar.

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.

Exploring debt collection technology: SMS in the United States

Evolving your collections strategy beyond linear to intelligent

Best practices for chatbots in consumer finance

Choosing a debt collection partner that understands today's consumers

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

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.

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?

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.

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

InDebted launches into the UK, finding that 2 in 3 Brits dealing with existing debt collectors experience “stressful” treatment

Debt collection partner, or debt collection software?

How Reg F is an opportunity for businesses to improve customer experience

How to stay compliant with Regulation F and customer experience After years of commentary and discussion, the Consumer Financial Protection Bureau (CFPB) issued a ruling to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

3 tips for evaluating a Reg F compliant debt collection vendor