The Spindown | Digital debt collection strategy & research
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The 2026 collections playbook

A data-driven guide, plus insights from industry experts, to help collections leaders share their 2026 roadmap.

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AI & machine learning

Digital debt collection

Regulation & compliance

Economic impact

Consumer trends

Global expansion

Strategy

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Rethinking debt collection in Brazil, Mexico and Colombia

A new playbook for modernising collections in LATAM. Discover key LATAM debt collections trends, challenges and insights in this 2025 report — plus expert guidance for creditors in Brazil, Mexico and Colombia.

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6 mins read

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The essential collections scorecard framework

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? Or did you rely on gut feeling and scattered data points, and realise afterwards that you should have been more specific about your expectations?

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7 mins read

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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. For consumers, especially younger generations raised on convenience and customisation, these tactics feel outdated, even antagonistic. And for businesses, the inefficiencies are impossible to ignore.

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3 mins read

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

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. But the nuances of what defines “creditworthiness” are often oversimplified.

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4 mins read

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Customer engagement copywriter GPT for debt collection

Generate compliant, empathetic debt collection messages in minutes with our Customer Engagement Copywriter GPT.

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2 min read

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15 ChatGPT prompts for collections leaders

Put ChatGPT to work with these 15 practical prompts designed to boost collections performance, drive efficiency, and ensure compliance. Generative AI is rapidly reshaping the world of debt collections. But crafting prompts that drive tangible outcomes isn’t always easy.

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2 min read

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The essential collections scorecard template

Stop guessing if your debt collection partners are truly performing. Traditional collection scorecards focus almost exclusively on recovery rates, missing critical dimensions that impact your business and customer relationships. Our template, based on years of industry experience, provides you with a framework for a balanced evaluation of your debt collection partners, ensuring they’re truly delivering the modern approach your business deserves.

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1 min read

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Your RFP template for choosing a modern collections partner

Choosing a collections partner is about more than performance — it’s about partnership as well. Agencies differ in capabilities and technology, but your long-term success depends on choosing one that aligns with your growth ambitions and customer values.

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4 min read

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

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. Relying solely on static financial histories leaves blind spots for creditors, especially when it comes to predicting borrower intent and managing debt efficiently.

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3 mins read

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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. Manual processes, limited insights, and growing compliance risks create operational challenges that legacy systems can no longer overcome.

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4 mins read

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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.

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3 mins read

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5 reasons digital debt collection improves collections performance

We’ve found that by communicating with customers over digital channels, rather than a traditional-only strategy such as calling and sending letters, collections performance increases by 40%. If that’s not enough to convince you, here’s some more reasons on why it’s time to shift to digital.

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3 mins read

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Debt collection in 2025: trends, technologies and opportunities. What will shape debt collection in 2025?

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.

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12 mins read

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

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. While collections can be a game-changer for increasing subscriber retention and recovering revenue, weighing the pros and cons is essential.

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3 mins read

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Why 86% of customers prefer to self-serve in debt collection

Stay on hold or do it yourself? Self-serve is the new standard in debt collection. See why it’s a win-win for your customers, and your business. When was the last time you called your bank to transfer money? Have you ever contacted customer service to check your account balance? How do you pay off your credit card each month?

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4 mins read

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5 reasons why leading subscription businesses partner with InDebted

Subscriptions have become a mainstay of households across the globe. In the US alone, the average consumer spends $924 on 4.5 subscriptions each year. As the industry continues to experience rapid growth, consumers expect more than just access to a service or product – they look for convenience, flexibility and value.

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4 mins read

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