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 ...

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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

It’s possible to create a collections process that is super-efficient in its infrastructure, process, and service while maintaining strict adherence to banking regulations. Where the collections process falls down, however, is when banks ignore these regulations, whether purposefully or because the ...

EFS

Building a business case for debt collection software isn’t all about facts and figures. Even if you recognise the indisputable benefits of collections software, your decision-makers’ perspectives are likely to be very different. Presentation, then, can be the difference between buy-in and bust. He ...

EFS

Saudi Arabia and the UAE are the most difficult countries in which to collect debts, according to new research – but they’re far from alone. China, Russia, Malaysia and South Africa also scored badly, appearing in the “severe” category for the complexity of debt collections. The difficulties in the ...

Saudi Arabia and the UAE are the most difficult countries in which to collect debts, according to new research – but they’re far from alone. China, Russia, Malaysia and South Africa also scored badly, appearing in the “severe” category for the complexity of debt collection. The difficulties in thes ...

EFS

The story Between bailouts, government collapses and populist revolt, it was easy to miss one of the more curious stories of the 2008 financial crisis. In Spain, debt collectors clothed in tailcoats and top hats (or disguised as clowns and matadors) became a common sight during the crisis. In a ti ...

EFS

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EXUS provides specialized software solutions for financial institutions, banking, telecoms, utilities.
For more information about our products and services please contact:  info@exus.co.uk