Why addressing widespread financial misconceptions isn't just about education—it's about building the foundation for sustainable lending growth

What our latest consumer research reveals about the most credit-savvy generation and the incredible opportunities ahead

The path to hyper-personalization in collection strategies involves combining AI-driven decisioning and conversational AI

Organizations that have deployed integrated communications are unlocking higher engagement rates, faster time-to-promise and a smoother customer experience

From 'I wish I knew' to 'I’m so glad I know': empowering consumers through financial literacy

Credit unions saw a slowdown in severe delinquency impacting their credit card portfolios to finish 2024, with increases in average monthly spend and average balance

Explore the 5 areas revolutionizing debt collection, including the importance of omni-channel communications

Credit card delinquency rates picked up in the back half of the year as spending slows

As defaults increase collections workload, the benefits of conversational AI can prioritize agents' work and lead to faster resolution

When an omnichannel communication strategy is executed properly, companies can expect to see a significant improvement in debt collection

Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

Credit card balances and severe delinquencies are growing but positive signs are starting to appear

Credit card balances continue to rise, early-stage delinquency begins to show signs of flattening

More consumers are carrying credit card balances despite high rates, and delinquency rates continue to rise

Higher prices keep customers in a pinch from making on-time payments