Online collections services provide an alternative way for creditors to collect past due accounts using the internet. They allow debtors to privately negotiate and pay debts online, while providing creditors with automated processes and regulatory compliance. The document examines challenges in traditional collections methods, the benefits of online collections services, and features to look for in a provider like DebtResolve.
FIS Research - Accelerating Paper Check MigrationPaul McAdam
Recent research conducted by FIS with 3,205 consumers reveals that migration away from paper checks to debit card, credit card, automated clearing house and other electronic payment services could be accelerated through a combination of motivators and removal of barriers especially for consumer-to-consumer payments. The demise of paper checks would represent a substantial expense reduction for financial institutions as well as revenue enhancement opportunity through shifting check volume to card payments, which generate interchange revenue. However, checks won’t disappear overnight and likely won’t decline much at all among some consumers without significant intervention.
Fear and favoring of digital currency
The Economist Intelligence Unit, commissioned by Crypto.com, exploring the extent to which digital payments are trusted by consumers and what barriers may exist to basic monetary functions becoming predominantly electronic or digital.
Bank innovation - PwC Study on When the Growing Gets Tough: How Retail Banks ...Jeff Grill
As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. For more information see http://www.pwc.com/us/en/financial-services/publications/viewpoints/viewpoint-when-the-growing-gets-tough.jhtml
When introduced more than a decade ago, paperless billing was touted as an environmental savior; In the graphical report, we uncover the barriers to adoption organizations are facing today and sure, ways we can convert more customers to paperless.
FIS Research - Accelerating Paper Check MigrationPaul McAdam
Recent research conducted by FIS with 3,205 consumers reveals that migration away from paper checks to debit card, credit card, automated clearing house and other electronic payment services could be accelerated through a combination of motivators and removal of barriers especially for consumer-to-consumer payments. The demise of paper checks would represent a substantial expense reduction for financial institutions as well as revenue enhancement opportunity through shifting check volume to card payments, which generate interchange revenue. However, checks won’t disappear overnight and likely won’t decline much at all among some consumers without significant intervention.
Fear and favoring of digital currency
The Economist Intelligence Unit, commissioned by Crypto.com, exploring the extent to which digital payments are trusted by consumers and what barriers may exist to basic monetary functions becoming predominantly electronic or digital.
Bank innovation - PwC Study on When the Growing Gets Tough: How Retail Banks ...Jeff Grill
As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. For more information see http://www.pwc.com/us/en/financial-services/publications/viewpoints/viewpoint-when-the-growing-gets-tough.jhtml
When introduced more than a decade ago, paperless billing was touted as an environmental savior; In the graphical report, we uncover the barriers to adoption organizations are facing today and sure, ways we can convert more customers to paperless.
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
Our open letter to ARNECC requesting digital mortgage options be included as a priority consideration in 2016 to encourage an acceleration of take-up of mortgage transactions in PEXA.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
Arizona small businesses want loans, but are baffled why they are still so difficult to obtain even after the recession is over. When it comes to Arizona’s banking landscape and how it directly impacts local small businesses, an eBook released today by Horizon Community Bank outlines a few key challenges that are top-of-mind in the industry and why they are happening.
Conozca el resumen "Aceleradores a un mundo inclusivo en un ecosistema de Pagos digitales", en el siguiente articulo podrá observar la brecha de los 25 países en los que la digitalización ha tenido un gran impacto y revela 10 pasos o aceleradores que los gobiernos y las empresas pueden tomar para construir las economías digitales.
Unilife Corporation (NASDAQ:UNIS - News) is a U.S.-based developer, manufacturer and supplier of advanced drug delivery systems with state-of-the-art facilities in Pennsylvania. Established in 2002, Unilife works with pharmaceutical and biotechnology companies seeking innovative devices for use with their parenteral drugs and vaccines. Unilife has developed a broad, differentiated proprietary portfolio of its own injectable drug delivery products, including the Unifill® and Unitract® product lines of safety syringes with automatic, operator controlled needle retraction. Unifill represents the world's first prefilled syringe technology integrating safety within the primary drug container. The products are ideally positioned to help pharmaceutical companies maximize the lifecycle of their injectable drugs and enhance patient care. Unifill syringes, together with other devices that are part of the Unilife technology platform, can either be supplied to pharmaceutical customers ready for use, or customized to address the specific requirements of targeted novel drugs. For more information on Unilife, please visit www.unilife.com.
Since its founding in 1935, Morgan Stanley and its people have helped redefine the meaning of financial services. The firm has continually broken new ground in advising our clients on strategic transactions, in pioneering the global expansion of finance and capital markets, and in providing new opportunities for individual and institutional investors. Click below to see a timeline of Morgan Stanley's growth, which parallels the history of modern finance
Medgenics (NYSE AMEX: MDGN) is developing and commercializing Biopump, a proprietary tissue-based platform technology for the sustained production and delivery of therapeutic proteins using the patient's own skin biopsy for the treatment of a range of chronic diseases including anemia, hepatitis C and hemophilia. Medgenics believes this approach has multiple benefits compared with current treatments, which include regular and costly injections of therapeutic proteins.
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
Our open letter to ARNECC requesting digital mortgage options be included as a priority consideration in 2016 to encourage an acceleration of take-up of mortgage transactions in PEXA.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
Arizona small businesses want loans, but are baffled why they are still so difficult to obtain even after the recession is over. When it comes to Arizona’s banking landscape and how it directly impacts local small businesses, an eBook released today by Horizon Community Bank outlines a few key challenges that are top-of-mind in the industry and why they are happening.
Conozca el resumen "Aceleradores a un mundo inclusivo en un ecosistema de Pagos digitales", en el siguiente articulo podrá observar la brecha de los 25 países en los que la digitalización ha tenido un gran impacto y revela 10 pasos o aceleradores que los gobiernos y las empresas pueden tomar para construir las economías digitales.
Unilife Corporation (NASDAQ:UNIS - News) is a U.S.-based developer, manufacturer and supplier of advanced drug delivery systems with state-of-the-art facilities in Pennsylvania. Established in 2002, Unilife works with pharmaceutical and biotechnology companies seeking innovative devices for use with their parenteral drugs and vaccines. Unilife has developed a broad, differentiated proprietary portfolio of its own injectable drug delivery products, including the Unifill® and Unitract® product lines of safety syringes with automatic, operator controlled needle retraction. Unifill represents the world's first prefilled syringe technology integrating safety within the primary drug container. The products are ideally positioned to help pharmaceutical companies maximize the lifecycle of their injectable drugs and enhance patient care. Unifill syringes, together with other devices that are part of the Unilife technology platform, can either be supplied to pharmaceutical customers ready for use, or customized to address the specific requirements of targeted novel drugs. For more information on Unilife, please visit www.unilife.com.
Since its founding in 1935, Morgan Stanley and its people have helped redefine the meaning of financial services. The firm has continually broken new ground in advising our clients on strategic transactions, in pioneering the global expansion of finance and capital markets, and in providing new opportunities for individual and institutional investors. Click below to see a timeline of Morgan Stanley's growth, which parallels the history of modern finance
Medgenics (NYSE AMEX: MDGN) is developing and commercializing Biopump, a proprietary tissue-based platform technology for the sustained production and delivery of therapeutic proteins using the patient's own skin biopsy for the treatment of a range of chronic diseases including anemia, hepatitis C and hemophilia. Medgenics believes this approach has multiple benefits compared with current treatments, which include regular and costly injections of therapeutic proteins.
What Can be Done on 9/11 Day? Unlocking the Potential of Pro Bono "Done-in-a-...Yvonne Turner
As we approach the anniversary of September 11, how will you observe the 9/11 National Day of Service? More than 35 million people observed this day last year by helping others, and this year we can inspire even more good by leveraging the full power of pro bono. On July 31, A Billion + Change and our partner at the 9/11 Day of Service held a webinar to share high-impact ways you can engage your employees and give back to nonprofits through pro bono "Done-in-a-Day" marathon sessions.
Medgenics (NYSE AMEX: MDGN) is developing and commercializing Biopump, a proprietary tissue-based platform technology for the sustained production and delivery of therapeutic proteins using the patient's own skin biopsy for the treatment of a range of chronic diseases including anemia, hepatitis C and hemophilia. Medgenics believes this approach has multiple benefits compared with current treatments, which include regular and costly injections of therapeutic proteins.
Document Capture Technologies (OTC.BB: DCMT.OB - News) is a worldwide leader in the design, development, manufacturing, and sale of USB powered mobile page-fed document capture platforms. DCMT provides more than 30 different products across multiple distinct categories, which are distributed globally through private label solutions to leading Tier 1 OEMs, VARs and other system integrators, including Brother, Burroughs Payment Systems, Digital Check, NCR and Qualcomm.
For additional information, please see Document Capture Technologies' corporate website: www.docucap.com.
Introduction and HistoryAlly Bank, a subsidiary of Ally Fina.docxnormanibarber20063
Introduction and History
Ally Bank, a subsidiary of Ally Financial Inc., offers cus-
tomers a different type of bank and a different type of
banking experience. Unlike traditional banks with hun-
dreds of branches and thousands of ATMs, Ally Bank has
only two offices and no ATMs. What the company lacks
in physical presence, it makes up for with a 24/7 call cen-
ter and instant online banking. What it saves by not pay-
ing to rent a large number of locations, it returns to the
customer in the form of competitive interest rates on cer-
tificates of deposit (CDs), as well as savings, money mar-
ket, and checking accounts. And instead of maintaining
its own ATMs, it piggybacks on existing ATM networks
and compensates its customers for any fees incurred.
Although Ally Bank is a new name, it is not a new com-
pany. Ally Bank and its parent company—Ally Financial
Inc.—originally stemmed from General Motors Acceptance
Corporation (GMAC), which was formed in 1919. GMAC
was the main provider of automotive financing to General
Motors dealerships. As the demand for cars grew, so did
GMAC. Its success in auto financing provided it with the
capital to expand into other product areas, such as insur-
ance, direct banking, mortgage, and commercial finance.
In 2006, General Motors spun GMAC off as a sepa-
rate entity. Although it was still the primary source of
funding for General Motor vehicle purchases, the bank
had grown its portfolio and exposure in a number of
markets. Because of its diversification into the subprime
mortgage market, the 2008 financial meltdown caused
a liquidity crisis at GMAC and set the stage for the cre-
ation of Ally Bank.
The banking division of GMAC was formed in
the final days of 2008 as part of a year-end deal with
the Federal Reserve. On December 24, 2008, GMAC
officially became a bank holding company. Five days
later on December 29, 2008, the US Treasury announced
it would invest $5 billion of its Troubled Asset Relief
Program (TARP) funds in GMAC and receive pre-
ferred shares in return.1 In May 2009, GMAC officially
changed its name to Ally Bank.2 The rationale for the
name change stemmed from the impending bankruptcy
of General Motors and a desire to distance the bank from
the automobile manufacturing company and its relation-
ship with that firm.
Ally Bank is classified as a direct bank,3 which means it
has no bricks-and-mortar locations. This form of banking
has cost-saving benefits for the bank as well as investment
opportunities for customers. The bank is able to save on
overhead costs and transfer those savings to its customers in
the form of higher interest rates if it chooses to do so. With
increasing consumer comfort in web-based technology and
the Internet, online banking may be the heir apparent of
the industry. By offering only online services, Ally Bank has
enjoyed these costs savings since its inception.
Ally Bank returns its savings to customers in three
ways. First,.
Miss out on our latest webinar? Don't worry, we've put together a brief webinar recap to find out more about what Urjanet's Erik Becker, VP Sales, and eCredable’s CEO, Steve Ely, think of today’s credit scoring models, the shortcomings and limitations, and how new proprietary models could be the answer to giving the millions of underbanked and unbanked American consumers a more sufficient method of credit scoring.
In this webinar recap you’ll also gain insight into the sentiments around this new proprietary scoring model as the team reviews the results of a recent survey conducted by Urjanet of nearly 900 American consumers. Check out the webinar recap to learn more!
Research Paper | Counting the Cost of Debt Recovery 2018EchoMarketing
New consumer research from UK Outsourcer Echo Managed Services (https://www.echo-ms.com). Who are the Nation's debtors? | Reasons behind consumer arrears | effective and poor debt collection practice by sector | hidden costs of poor practice | debt and the causes of a negative stigma | the dangers of stereotyping consumers in arrears | awareness rates of vulnerable customer support schemes | data sharing - consumer attitudes and preferences | Key takeaways for UK service providers.
Fundtech E-invoicing Provides New Adventures for CreditFundtechFSC
With credit availability remaining tight following the financial crisis, banks and corporations alike are more attuned to the financing opportunities available linked to supply chain transactions. With the transparency of trade transactions and the link between funding and trade activities, Supply Chain Finance (SCF) lessens the risk associated with traditional lending. Electronic invoicing, presentment and payment (EIPP) systems can amplify the many benefits of Supply Chain Finance by automating a process that traditionally has been hampered by slow, paper-based manual methods. The Supply Chain Finance market in the UK alone grew from about £100 million 2008 to £1Bn in 2010, with the growth expected to continue through 2011. This paper looks at how the continuing growth of E-Invoicing can enable and facilitate the Supply Chain Finance market - and how financing can be a key driver for adopting E-Invoicing
The banking and finance industry has been transformed since the inception of mobile banking and payments. From checking your bank balance on your mobile device to being able to host your entire POS on an iPad, mobile commerce is continually evolving. Here are a few of the most recent trends and the future of mobile and commerce.
We are a motivated team of collection professionals who continually strive to redefine our success by our resolute commitment to meeting or exceeding the expectations of our diverse client base in the field of accounts receivables management.
To remain competitive, players in the mortgage lending industry need to take the journey to full digitization, which will transform the industry in areas including compliance, operational efficiency, cost containment, customer experience, and asset quality and risk.
Caprock: "We are initiating coverage on Pegasi Energy Resources Corporation with a
STRONG BUY rating and with a 12-month price target of $1.50. We believe PGSI’s shares offer investors a unique and favorable risk/reward profile."
FORM 8-K. Filed 05/07/12 for the Period Ending 05/07/12. A PowerPoint presentation that Ventrus Biosciences, Inc. will present at the 37th Annual Deutsche Bank Health Care Conference in Boston, MA on Monday, May 7, 2012.
Sections include: Company Overview --- Focus on Fibromyalgia and Post-Traumatic Stress Disorder. Large Markets with Unmet Need --- Novel Formulation Technology Applied to Known Ingredients = Better Drugs --- Robust Product Pipeline with Nearterm Milestones, and more.
Early this morning, SunSi announced it is acquiring 51% of
TransPacific Energy, Inc., a U.S.-based company that
designs and sells energy systems which maximize heat
recovery and convert waste heat into electrical energy.
APDN sells patented DNA security solutions to protect products, brands and intellectual property from counterfeiting and diversion. SigNature DNA is a botanical mark used to authenticate products in a unique manner that essentially cannot be copied. Our mark provides a forensic chain of evidence that can be used to prosecute perpetrators. To learn more, go to www.adnas.com where APDN routinely posts all press releases.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the what'sapp number.
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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Debt Resolve (OTCBB: DRSV) - White Paper - July 2011
1. DebtResol√e TM
Resolved. With Dignity WHITE PAPER
Improving the Collection of
Past-Due Accounts
The Many Advantages of Online
Collections Services
The wall between collections departments and debtors is becoming progressively more difficult
to penetrate. Consumers are less likely to answer the phone, in part due to caller ID and
answering machines and due to the increased educational campaigns to monitor the collection
industry from abusive practices. The Federal Trade Commission listed debt collection in second
place of all consumer complaints in 2010 (responsible for 11% of complaints).1a Collections
agents spend an enormous amount of time trying to reach debtors. When they do make contact,
increasingly stringent regulatory requirements limit what agents can say. Time does not stop,
yet the collections department must quickly break through to recover valuable past due
accounts.
Is there a way to rapidly settle debt, maximizing the collections portfolio?
How can businesses ensure regulatory requirements are never violated?
To address these challenges, banks and other creditors are turning to online collections
services. Designed as an alternative channel for debt resolution, online collections services
provide creditors a highly efficient and scalable way to settle accounts using the Internet. These
services also provide debtors a convenient and face-saving way to pay debt. This white paper
will examine some of the challenges collections departments face when collecting debt and
introduce the many advantages of online collections services.
Consumer Trends
Enormous consumer debt and the widespread adoption of the Internet are two key consumer
trends causing collections departments to reexamine existing collections processes. 2011: US
eCommerce and Online Retail sales projected to reach $197 billion, an increase of 12 percent
over 2010 Americans consumers are still struggling amid higher costs for gasoline and food
leading to greater delinquencies. As of April 2011, consumer debt was $2.4 trillion, according to
the Federal Reserve.1 Improving trends in consumer credit delinquencies hit a soft patch as the
economy slowed in the first quarter of 2011 with five of eleven loan categories showing slightly
higher delinquencies, according to the American Bankers Association's Consumer Credit
Delinquency Bulletin Bank card delinquencies rose 12 basis points to 3.40 percent of all
accounts compared to the previous quarter.2 "Delinquencies and charge-offs are the single
largest individual operating cost for most credit card issuers," stated a Mercator Advisory Group
analyst report.3 Not only are consumers amassing more debt, they are also going online to
1a Federal Trade Commission - http://ftc.gov/opa/2011/03/topcomplaints.shtm
th
1 (March 7, 2007). Federal Reserve Statistical Release June 7 2011
2 ABA http://www.aba.com/Pressrss/070711DeliquencyBulletin1Q2011.htm
3 Bayri, E. (May 2005). Mercator Advisory Group: Account lifecycle solutions: Scoring solutions in collections and recovery.
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make purchases and handle financial transactions. A new “Pew Internet & American Life Project
report” says 73 percent of Americans say they use the Internet, up from 66 percent in January
2005. Nearly 75% of U.S. households have Internet access at home, according to a
Nielsen//Net Ratings survey.
By 2006, 77 percent of Americans had access to the Internet, according to Harris Interactive.4 A
Federal Reserve study indicated, "The majority of noncash payments made in the United States
are now initiated electronically."5 The study showed an increase of 13.8 billion electronic
payments between 2000 and 2003. "Consumers today require a level of convenience and
control inconceivable years ago. They want the freedom to select the channel and method of
their payments, as well as the frequency and timing. Conventional paper checks cannot provide
this level of flexibility, so consumers are turning to electronic payment options—credit card,
debit card and ACH transactions initiated over the Internet," explained a PayStream Advisors
report.6 Not only are consumers purchasing goods and services online, they are also receptive
to resolving debt via the Internet. A study by FiSite Research indicated that, "Consumers find
the concept of online collection services as highly attractive over a broad range of consumer
lending products. Consumers see an opportunity to avoid emotional distress and
embarrassment that come from traditional collection methods."7
Challenges Afflicting Collections Departments
Collections departments face two primary challenges when collecting funds: the high cost of
making contact with debtors and significant restrictions on what can be said when a debtor is
reached.
Difficulty Making Contact
With each passing day, the likelihood of recovering delinquent debt fades.
The highly manual process used by most collections departments is a slow and laborious
process. As the number of delinquencies grows, collections agents are challenged to operate
efficiently.
Collections agents are often plagued with wrong party connections and answering machines,
slowing the collections process. "Collecting on delinquent accounts generally requires tenacious
call center operations to reach consumers actively trying to avoid issuer phone calls," explained
a Mercator Advisory Group report.8
Many collections departments have reached a critical point where the cost of recovery is
prohibitive. Another Mercator Advisory Group report stated, "The collections and recovery stage
is still handled manually. The operations remain labor-intensive and are very much reliant on the
efforts of highly trained collectors.
4 Gonsalves, A. (May 25, 2006). TechWeb Technology News. Number of online Americans continues to grow.
5 The Federal Reserve System. (December 15, 2004). The 2004 Federal Reserve Payments Study.
6 PayStream Advisors. (August 13, 2006). Consumer collections automation.
7 FiSite Research. (October 2004). Online collection services. The mostly manual processes used to make contact with debtors is
slow and costly
8 Friedman, M. (2005). Mercator Advisory Group: Capturing the online customer: Current and future investments in online self-
service
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This means that the collections function is not at all scalable."9 With the cost per agent call
reaching $15, collections departments must seek lower cost debt resolution methods.10
Regulatory Constraints State and federal regulations place major limitations on what a
collections agent can say. Issues such as when a call can be placed, where contact can be
made, who can be spoken to and what can be said are all regulated in many states.
For example, in many states there are limits on calls that can be placed to a debtor's place of
employment. Still other states prevent mentioning what the call is about to a spouse or which
company an agent is calling from. These regulations also place significant restraints on what
can be said to a debtor. It is not unusual that a collections agent might unknowingly violate one
of these regulatory requirements, placing the company at risk of significant fines or lawsuits.
Additionally, communication must be carefully documented to remain compliant with the Fair
Debt Collection Practices Act. Fortunately, even small improvements in collections can have a
major impact on the profitability of a portfolio. Key technology advancements have come about
to improve collections efficiency and profitability.
Brief History of Collections Innovations
A number of innovations have improved the collections process over the last 15 years. In the
early 1990s, dialer technology helped agents improve efficiency by placing phone calls to
debtors and connecting agents only when a person answered the phone. By the mid 1990s,
interactive voice response systems engaged debtors using voice recordings. The idea was to
offload work from collections agents, only connecting them with debtors during the negotiation
stage. However, these systems were only effective for the most basic collects efforts.
Around 2000, collections analytics systems were widely
used. They helped agents work more intelligently by
examining historical consumer data and identifying debtors
most likely to pay. These systems also tailored settlement
offers based on consumer behavior and other strategies.
Around the same time, online bill payment grew in
popularity. Financial transactions, such as credit card,
mortgage and auto loan applications were being processed
online. The success of online payment services such as
PayPal attest to the consumer embracement of Internet payments. For example, during 2006,
nearly $38 billion in online transactions occurred using PayPal alone.11 By 2004, online
collections services began to emerge that could initiate consumer contact, interact with debtors,
negotiate settlements and collect payments.
9 Bayri, E. (May 2005). Mercator Advisory Group: Account lifecycle solutions: Scoring solutions in collections and recovery.
10 Friedman, M. (2005). Mercator Advisory Group: Capturing the online customer: Current and future investments in online self-
service. Collections agents' communication with debtors is highly regulated and varies by state A steady advancement of technology
innovations is changing the way collections departments operate
11 (February 28, 2007). Form 10-K for eBay Inc. Online collections services automate the entire collections process, speeding the
recovery of funds Online collections services allow debtors to negotiate settlements online
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The Solution: Online Collections Services
Online collections service allows creditors to
automate the entire collections process using
the Internet. Designed to efficiently
communicate with debtors and ensure
consistent regulatory compliance, online
collections services can interact with
thousands of debtors and quickly resolve
past-due accounts.
Allowing debtors to review and pay their debt
in private, online collections services
overcome the embarrassment often felt by
debtors while providing 24 hour access to the
service.
Consumers can negotiate debt and securely
process online payments in private. Creditors
can quickly set payment options and collect
funds, without ever picking up the phone.
Some of the capabilities of online collections services include:
• Negotiation of debt online
• Secure payment processing over the Internet
• Customized debt resolution options, including varied payment plans
• Contact preference updates
• Cross-selling of alternative financial services
How It Works
A letter is typically sent to a debtor with an invitation to go online to settle his or her debt.
For early-stage delinquencies, the online service offers a quick and convenient way for
customers to bring their accounts current.
For late-stage and charged-off accounts, a blind bidding process can be presented. The
consumer is provided multiple chances to submit an offer and settle the account. The creditor
establishes a minimum accepted offer that is unknown to the debtor. The offer is based on
custom business rules that reflect the creditor's internal collections strategies.
Multiple payments can be set up for paying down debt. Payments are collected online using a
variety of payment methods, including ACH, credit card, PayPal, MoneyGram and Western
Union. When the debtor makes a successful payment, funds are transferred via electronic
payment gateways directly into creditor accounts.
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Benefits of Online Collections Services
Research suggests that resolving delinquent accounts online can reduce transaction costs by
almost 5 times when compared to phone or traditional mail-based solutions.12 Beyond major
cost savings, online collections services provide a significant number of benefits for both
creditors and debtors.
Benefits to creditors:
• Allows collections departments to efficiently interact with an unlimited number of debtors
• Eliminates the need for added personnel to meet growing collections requirements
• Reduces liability resulting from noncompliance with federal and state regulations by
controlling and documenting debtor interactions
• Improves the image of creditors with a consumer-friendly service
• Increases profits for late-stage debtors with blind bidding
• Reduces the overhead of collections processes
• Bypasses answering machines, caller ID and cell phones
• Easily captures debtor contact preferences
Benefits to consumers:
• Avoids the embarrassment that often occurs when dealing with collectors
• Empowers customers to settle accounts at their convenience
• Allows consumers to quickly resolve debt
• Provides access 24 hours a day, every day
Case Example
An auto finance arm of a major bank used an online collections service to improve its debt
recovery. This bank's goal was to collect as much as possible prior to the end of every month.
The bank used an online collections service to establish flexible business rules to help it meet
its objectives. For example, if a consumer first logged into the system in the middle of the
month, he or she was given a wider range of days to make a payment than if there were only a
few days left in the month. In addition, the bank wanted the ability to spread payments over a
year only if the debtor agreed to a large up-front payment of 10 percent. Easy to customize
business rules enabled the bank to achieve its objectives.
12 Friedman, M. (2005). Mercator Advisory Group: Capturing the online customer: Current and future investments in online self-
service. Online collections services can reduce the cost of recovering consumer debt
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What to Look For in an Online Collections Service
When seeking an online collections service, consider the following important criteria.
Automated debt negotiation: Seek a solution that automates later-stage debt negotiation by
allowing consumers to bid against a blind settlement floor.
Intelligent resolution offers: The ideal solution should intelligently present options to
consumers based on debt or debtor characteristics. For example, early-stage debt should not
be provided negotiation options.
Compliance flexibility: Look for a solution that is flexible enough to meet external legal
requirements and is in compliance with state and federal regulations.
Business rules: Seek a service that offers a wide range of real-time business rule
customization, such as settlement floors, payment intervals, payment methods and
considerations such as how much must be paid up front and how quickly the debt must be paid
down.
Easy to implement: Seek a solution that seamlessly integrates with existing collections
systems investments without a major IT investment.
Hosted model: Look for a solution that is securely hosted, eliminating the need to invest in
hardware and software as well as freeing IT personnel.
Look for an online collections service that provides flexible business rules to ensure
changing needs can be accommodated
Easy to use: Look for a solution that is easy for consumers to use and collections managers to
maintain. No technical knowledge should be needed.
Customizable branding: The ideal solution should enable customized branding to help
maintain a consistent look and feel for consumers.
Multi-language support: Common languages, such as English, Spanish and Korean should be
supported to reach the broadest range of consumers.
Solely focused on collections: Look for a company that exclusively specializes in collections
and intimately understands all stages of the collections process.
Offers live support: Seek a company that includes business analysts at no additional cost to
examine your ongoing use of the solution for streamlined success.
Automates email communication: Seek a solution that handles email communication
broadcasts to increase the use of the application.
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The DebtResolve™ Advantage
As the name suggests, DebtResolve helps consumers resolve their debt online with dignity. As
the premier online collections service, DebtResolve enables debtors to self-cure, negotiate
settlements and finalize payment arrangements online, at any time and in any language.
Creditors realize significant cost savings, collect more debt and make contact with consumers
who were previously unreachable.
Designed by Debt Resolve, Inc. (OTCBB DRSV), a pioneer in online collections software, the
DebtResolve solution provides creditors an innovative way to streamline the collections process.
Used by top American banks and collections agencies, DebtResolve was designed to handle
very early delinquencies to post charge-off debt. Penetrate the barriers between collections
agencies and debtors by contacting DebtResolve today.
• Over 10.5 Million accounts has been placed on the Debt Resolve System
• Over $10.8 Billion Face Value Debt has been placed on the Debt Resolve System
• 53% of registered users Settle
• 73% of registered users settle when followed up with traditional methods
• Settle over 14% above bump (floor) rate
• 20% of settlements are transacted after regulated collection hours.
• Assure legal compliance with FDCPA (US) & DPA (UK) through a controlled
website presentation
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THE DEBT RESOLVE SYSTEM MODULES
DRCollect™
DR Collect is a fully automated on-line module offering a unique, quick to implement universal
upload tool. DR Collect offers an innovative pricing structure established especially for collection
agencies, collection law firms, and other markets working with the tight margins of contingency
fee structures. Additionally, the DR Collect module eliminates most of the manual integration
process associated with implementation of the program, and allows private label customization
for the agency or law firm.
DRPrevent™
For early-stage collections, Debt Resolve can help you collect overdue payments, make
payment arrangements, and manage account self-cures all online.
DRSettle™
On late-stage collections and charged-off accounts, DR Settle incorporates several treatments
including a dispute resolution engine that allows your customers to make offers. These offers
are evaluated using your business rules and scoring models, leading to immediate settlements.
DRPay™
DR Pay captures customer payments online using your electronic payment gateways. We can
integrate with any payment processor and settle in any currency. Debt Resolve never touches
the client’s funds. All funds are directly deposited with the client.
DRControl.™
DRControl is the administrative interface where templates and rules are established. Once the
templates are established and parameter identified, you can simply assign the treatments with
the click of the mouse and apply change real-time throughout the system.
DRMail. ™
Following registration, all communication is handled through DRMail The system will notify the
consumer 2 days prior to any scheduled payment arrangement to remind them of the upcoming
payment and give them time to allocate funds to cover any payment arrangement. If a payment
is unsuccessful DRMail will automatically send notification to log back in and make different
payment arrangements.
For a free demonstration, call 914-949-5500 or email info@debtresolve.com
OR visit www.debtresolve.com for product information.
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