Payments and Collections

Data and the board

Posted on Sep 04 2013 by

Credit risk has become a strategic issue. There has never been a time at which customer insight has been so closely reviewed at board level. Read on to see how financial institutions can adopt new data sources to improve their bottom line…

Affordability is paramount: the latest personal insolvency figures reveal

Posted on Sep 03 2013 by

The annual fall in personal insolvencies is certainly a positive picture, but the quarter on quarter change highlights that there are areas still struggling.

With Conduct Risk being a subject at the forefront of minds within the lending community, it shows how individual circumstances can change at any time and that on-going affordability assessments are needed.

Know your customer or lose your customer

Posted on Sep 02 2013 by

Empowered consumers will ultimately decide which lenders have earned their trust, so it’s vital businesses understand their customers’ needs to cement long-lasting relationships.

Is growth on the horizon?

Posted on Aug 29 2013 by

Revised forecasts for GDP indicates that growth – albeit gradual – may well be on the horizon.

Improving conditions allow mortgage approvals

Posted on Aug 27 2013 by

The economic environment is beginning to show some signs of revival despite underlying fragility – reflected by improving conditions for mortgage approvals.

The real view of a customer journey

Posted on Aug 23 2013 by

Banking is integral to your customers’ lives, and how you choose to engage with them is an integral part of the relationship’s lifespan.

Reducing Home Move churn and outstanding debt in utilities

Posted on Aug 19 2013 by

In the utilities sector, it is estimated that around £1.5 billion of debt is created during the home move process.

12th August 2013: Forward Guidance

Posted on Aug 12 2013 by

Sadia Sheikh assesses the implications of the Bank of England’s forward guidance on monetary policy on interest rate movements and gauges the market reaction to the statement

Credit today and the new ‘normal’

Posted on Aug 09 2013 by

In a challenging environment, the credit industry is being forced to continually evolve and cope with the trading conditions. Although volumes of new lending are more stable, the credit industry faces a complex risk environment must evolve to cope with new ‘normal’ trading conditions.

5th August 2013: Regional Round-Up

Posted on Aug 06 2013 by

Sadia Sheikh summarises the key regional surveys this month to form a view of short-term regional performance…