Articles
How Other Lending Processes Can Hurt Collections Efficiency - Decisimo -
Collections efficiency drops when upstream lending processes create inaccurate or incomplete customer data, or when incentives favor volume over data quality. This article explains how sales and underwriting practices, from poor contact capture to weak verification methods such as OTPs, phone checks, and third-party data, reduce collections performance and where to focus operational fixes.
Outsourcing vs. Insourcing Debt Collection: Key Considerations and Potential Impacts
Choosing between insourcing and outsourcing debt collection comes down to control, cost, expertise, and risk. This article breaks down the key tradeoffs, from debt type and recovery economics to brand impact and operational flexibility, so you can decide which approach fits your business.
Key Metrics and Steps to Improve Collection Efficiency
Collections protects cash flow by turning past-due invoices into cash and reducing bad debt. This article covers the key KPIs, including recovery rate, average days to collect, and cost of collections, and outlines practical steps to measure, monitor, and improve collection efficiency.
Handling Objections in Debt Collection: Strategies and Practical Scripts
Objections in debt collection are common. The response should be consistent, clear, and documented. This article covers practical ways to handle debtor concerns, from fee disputes and payment questions to identity checks and objections to call-backs, with scripts you can adapt for real conversations.
Why segmented pre-collection activity matters for lending businesses
Segmented pre-collection helps lending businesses focus on accounts that need attention before they become delinquent. This article explains what pre-collection is, why segmentation matters, and the main ways lenders can use it to improve recovery without unnecessary contact with borrowers who are likely to pay on time.
Ethical Debt Recovery: What Collections Agents Should Avoid
Ethical debt recovery requires clear boundaries, respectful communication, and a lawful process. This article explains what collections agents should avoid in BNPL and consumer lending, including insults, pressure on family members, threats, and intimidation.
Choosing credit bureaus in Africa, country by country
See how country rules and the files available for your applicants shape which credit bureaus to consider. Compare the options on your own book before you sign.
Credit bureaus in Egypt: A closer look at I-Score - Decisimo
Egypt’s credit bureau market is led by I-Score, the Egyptian Credit Bureau. This article explains how it was set up, what data it collects on consumers and SMEs, who uses it, and why its role matters in a country where much of the population remains unbanked.
How Lending in Africa Is Changing in 2024: Lendsqr, Anchor, and Evolve Credit - Decisimo
Africa’s lending market is changing quickly, driven by platforms built for scale, speed, and access. This article examines how Lendsqr, Anchor, and Evolve Credit are changing lending and banking infrastructure, and what their different models mean for financial inclusion in 2024.
A Clear Fingerprinting Alternative to ThreatMetrix - Decisimo
Fingerprint.com is a practical alternative to ThreatMetrix for teams that need user identification without opaque pricing or vague positioning. This comparison covers its technical foundation, accuracy, industry fit, and pricing model, so you can assess whether it fits your security and fraud use case.