Remember the cobrador del frac? Spain’s frock-coated debt collectors took an elaborate name-and-shame approach that emphasised recovering money by any means necessary. It summed up the biggest problem with debt collections: efficiency and customer experience have too often been secondary considerati ...

Since the General Data Protection Regulation (GDPR) came into force across Europe, data security has become a hotter topic than ever. The biggest data breaches of 2018 so far have involved millions of users - and some of them have displayed startling negligence. FedEx, for example, stored customer d ...

Adam Smith, the pioneer of political economy and arguably the first modern economist, claimed that a certain level of trust is vital for any transaction to take place. If we can’t trust the butcher to give us quality meat, we have to inspect cows and abattoirs and slabs every time we buy any - which ...

EFS

The story The constitutional crisis in Italy was induced by the March general elections, which saw anti-establishment parties Lega and the Five Star Movement grow dramatically in vote share. Both endorsed an economic plan that hinged on Italian withdrawal from the EU. Over the last two months, pol ...

Debt recovery in the utility sector has an image problem. There is a considerable public concern across the globe about rising energy prices, with some governments stepping in to address the fuel poverty debate. As a result, utility companies receive little sympathy as they attempt to resolve unpaid ...

EFS

The story Non-performing loans are a huge problem across the Indian subcontinent, impacting the capital adequacy of developing economies in Bangladesh, India and Pakistan. These unrecovered loans have created overhanging debt and concerns around the banking sector’s credit quality - and that’s bec ...

EFS

Regulation is often used in political scaremongering. There’s too much red tape in the business world, according to some. And in certain cases, that may be true. Especially when it comes to the legal complexities of debt collections. But is more regulation (or less, for that matter) inherently bad ...

It’s one of the most solemn word pairings in the English language. It’s personal. We make promises in our private lives, at work, to ourselves. Promises carry a tangible psychological weight. Numerous psychological and economic studies show just how seriously we take making (and breaking) promises, ...

Does ethical banking really exist? It’s certainly one of the ambitions of United Nations member states, who came together in 2015 to thrash out a set of 17 Sustainable Development Goals (SDGs), spanning numerous aspects of the world economy. A number of financial institutions have publicly declare ...

EFS

The old adage goes that the most valuable asset in your business is the people - your staff. This is true from the most senior executives to people on the ground floor. As Richard Branson, CEO of Virgin  said: “My philosophy has always been, if you can put staff first, your customer second and shar ...

EFS

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EXUS provides specialized software solutions for financial institutions, banking, telecoms, utilities.
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