Articles
Why JSONPath Improves Data Access in Our Engine
JSONPath gives a rule engine a direct way to access nested JSON data and avoids hardcoding every attribute. This article explains why that matters, how it handles dynamic structures and arrays, and what the syntax looks like in practice.
Advanced decision management systems vs BRMS
Traditional BRMS can execute rules. Modern decision management systems handle more. This article explains why cloud-based decision management is a better fit for fintech, insurance, and e-commerce, with faster decisioning, more flexibility, and stronger support for compliance and real-time data.
AI Reshapes Collections - Decisimo
AI is changing collections from broad outreach to targeted action. This article explains how segmentation, decision logic, and voice bots can improve recovery rates, cut the amount of manual work, and help teams focus on the right accounts at the right time.
AI Collection Scorecard: Predict Repayment Likelihood
AI is changing how collection teams predict recovery and shape strategy. This article shows how to build a collections scorecard using behavior data and customer attributes, with the goal of estimating repayment likelihood more accurately.
Improving collection efforts with champion-challenger testing
Champion-challenger testing gives collections teams a structured way to compare strategies, measure results, and choose the process that works best. This article explains how to define the test, set the sample size, track outcomes, and use the results to improve debt recovery.
Reviewing a Sample Call Script
This article reviews a real-world BNPL debt collection call script to show how agents balance recovery with respectful customer communication. The walkthrough covers the main stages: identity verification, stating the balance and due date, confirming the payment method, and collecting alternate contact details. It shows a practical sequence that secures payment commitments and protects customer relationships.
Improving Debt Recovery with Practical Tools and Strategies - Decisimo
This article covers practical tools and strategies to improve debt recovery, including collection platforms, predictive analytics, AI-based prioritization, mobile engagement, and social channels. It explains how to segment customers, automate outreach, and measure results to recover more outstanding debt at lower cost.
Debt Recovery Hub
Practical guidance and resources for automating decision tasks across consumer lending collections, from pre-collection segmentation and agent scripts to outsourcing and debt sales. This hub covers tools, communication strategies, key metrics, and decision logic methods, including AI and champion-challenger testing, to improve recovery operations and collections efficiency.
From Contract to Collection: Selling Debts in Consumer Finance - Decisimo
Selling debt portfolios is a standard part of consumer finance, but the process only works when the legal, contractual, and documentation steps are clear. This article explains how debt sales are structured, what compliance checks matter, and how portfolio pricing is typically assessed.
Estimating the Costs of the Collections Process for a Portfolio Acquisition
Estimating collections costs for a portfolio acquisition starts with the inputs that matter: historic recovery rates, recovery timelines, and operating costs by channel. This article explains how to use those inputs to estimate future recovery, price a portfolio correctly, and assess the main factors that shape the collections process.