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Although the Asia-Pacific (APAC) region is currently under a severe amount of debt pressure, the rate of regional household and business borrowing has actually slowed in recent years. That being said, debt levels remain high overall. Across APAC, a 5% increase in the household debt to GDP ratio over ...

Identity, banking and technology: what collections teams need to know Facing into the future of identity, banking and technology. In a world where you can access mobile banking in the blink of an eye, the technology used to identify customers still falls far behind. While every other element of ba ...

The media loves chronicling the differences between generations. Each day brings a new headline or scare story, casting some aspersion onto people older or younger than us. Most of it is clickbait nonsense - but that doesn’t mean there aren’t tangible differences between generations. For collection ...

By now, banks are used to fintech scare stories. It’s all challengers, startups and open banking. The new guys, it’s said, are coming for the incumbent banks. Truth is that for now at least, these challengers struggle to match the power of an established bank. The more likely result is a partnershi ...

On the surface, the finance sector might seem equitable: over half of the world’s employees in the financial services sector are female. Drill deeper though, and a new picture emerges. While the gender split, in terms of sheer numbers, is about right, leadership positions take on an altogether more ...

The last decade has seen procurement evolve into a vital strategic function in the banking sector. These days, procurement is about more than simple cost-cutting. Economic tumult, tight budgets, demanding customers and increased competition require a procurement team more involved in up front, stra ...

The US economy is the largest in the world. Its nominal GDP sits at $19.42 trillion (25% of GDP for the entire world), and the US dollar is the go-to currency by which economies are measured and compared. Its commercial banking sector is similarly impressive, with annual revenue fast approaching th ...

Singapore has a problem with credit cards. Specifically, it has a rising problem with bad credit card debt that has to be written off: $20.74 million as of March of this year, according to the country’s Monetary Authority. While credit card debt constitutes a modest 2-3% of household debt in Singap ...

The common conception of collections is as a historical activity. A debt was owed and is now delinquent. So it’s the act of rectifying a historical account. This conception is right, to an extent. That’s certainly a large part of the process. But it’s not the full picture. We’ve written before abou ...

The British cycling guru Dave Brailsford famously introduced the idea of ‘marginal gains’ to professional cycling. The logic goes, according to Brailsford, that when you improve every little thing by 1%, you'll get a significant overall increase in performance. Brailsford’s Team Sky went to extreme ...