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ANALYSIS

The CS Interview

Experian’s Charles Butterworth on tackling thin files

Experian’s Charles Butterworth on tackling thin files

30 Jul 2018 Calum Fuller
Experian managing director Charles Butterworth talks through the role Open Banking and new data sources can play in providing access to credit for the UK’s thin file population
Read full interview

Opinion

Laura Hales

Despite rental data’s potential, collecting it will be difficult

Laura Hales
Laura Hales

High-cost credit can become low-cost credit

Phil Andrew
Laura Hales

FCA aims on affordable lending nigh on impossible

John Lamidey
Laura Hales

Get ready: Credit Awards 2018

Laurence Hamilton
Read more stories

Features

A digital transformation

A digital transformation

Amber-Ainsley Pritchard
PayPlan won Debt Advice Provider of the Year at the Credit Awards, sponsored by Lowell, in May. Amber-Ainsley Pritchard explains how they improved client engagement and outcomes through digitalisation
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The FCA strides into social policy

The FCA strides into social policy

Marcel LeGouais
In its high-cost credit review findings, the Financial Conduct Authority recommended a major programme of collaboration between social landlords, ministers, councils and lenders. Among other remedies, it’s a first foray into social work, writes Marcel Le Gouais
Read more
What role for humans in the future of collections?

What role for humans in the future of collections?

Calum Fuller
As artificial intelligence (AI) matures and becomes more commonplace, panellists at Digital Banking Club for Collections Live Debate considered how roles in collections will change
Read more
Quotes by TradingView

Insight tools

Performance through Accreditation & Education - Spencer Halil & Gerry Kouris, ALPHERA Financial Services

Presentation by ALPHERA Financial Services at the Car Finance Conference 2018

findandfundmycar.com - Adam Mepham, MotoNovo Finance

Presentation by MotoNovo Finance at the Car Finance Conference 2018

FCA Update on Car Finance Market - Jo Davis, Locke Lord

Presentation by Jo Davis at the Car Finance Conference 2018

The 2018 Dealer Finance Monitor - John Hughes, Mann Island

Presentation by Mann Island at Car Finance Conference 2018
Standing their ground: Amid increased scrutiny from both MPs and regulators, BrightHouse is a lender very much under the microscope.

Standing their ground: Amid increased scrutiny from both MPs and regulators, BrightHouse is a lender very much under the microscope.

Edition’s highlights:

→ Standing their ground: Amid increased scrutiny from both MPs and regulators, BrightHouse is a lender very much under the microscope. Chief executive Hamish Paton and chief risk officer David Poole sat down with Calum Fuller to discuss how they are addressing their critics.

→ Migration issue: TSB learns some hard IT lessons

→ High cost credit: FCA strides into social policy
Read the issue

Recommended reports

Where next?

In its annual report on the market, the Credit Management and Debt Collection (CMDC) Index, OC&C Strategy Consultants charts different paths to growth for debt purchasers. NIGEL STIRK, partner at the consultancy, reports
Download

Help the aged: A lesson for mortgage lenders

Experts at Credit Strategy’s inaugural Mortgage Conference last month explained that customers are borrowing later in life and for longer. Brokers and lenders believe products for an ageing population need updating
Download

Nothing to fear but the economy itself

Experts at Credit Strategy’s Collections, Debt Sale & Purchase (CDSP) Conference explained how interest rate rises, and other economic factors, should be a warning to consumers.
Download

Unbanked and unwanted

An extensive survey and research on the UK population who remain unbanked shows surprising results, with this demographic displaying multiple profiles who are not always disadvantaged
Download

Prime destination

Whilst Italy is gaining momentum as Europe’s most active non-performing loan market, the UK is coming close to shedding the last of its financial crisis debt. Credit Strategy takes a look at the most talked-up markets past and present
Download

Defining disruption

‘Market disruption’ typically describes technology changes that render old ways of working redundant. But in the collections sphere, it means much more. Reporting on advances in technology, Open Banking, data protection regulation and consolidation, Credit Strategy finds that firms’ willingness to embrace change is vital
Download

Bank NPL analysis

Banks continue purge of bad debt from balance sheets

The round of half-year results in recent weeks for the retail banks show that lenders are reducing bad debts by up to 76 percent in some cases

RBS forbearance hits £5bn

The Royal Bank of Scotland (RBS) said it has £5.2bn of "stock" in personal banking that’s in forbearance, a figure that includes schemes from the past two years.

Lloyds results reveal £2bn of debt in forbearance

Lloyds Banking Group is holding on to a pipeline of £2bn of retail loans and advances which are in forbearance schemes, according to its annual results for 2016

The seven-year glitch

Up until the end of 2016, the annual trajectory of personal insolvencies in England and Wales had followed a fairly benign pattern
Webinar recordings
Car Finance: Removing friction from the point of sale

Car Finance: Removing friction from the point of sale

A webinar exploring findings from a major survey of car finance providers, that reveals their views on: technology’s role in providing a frictionless customer journey, the role data plays in making lending decisions, areas of regulatory focus
Watch the recording

LATEST INDUSTRY NEWS STRAIGHT TO YOUR INBOX

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Standing their ground: Amid increased scrutiny from both MPs and regulators, BrightHouse is a lender very much under the microscope.
Opening the vaults: As Open Banking begins, are consumers, banks and third parties taking advantage?
The new normal: Why rising interest rates and consumer debt were key themes at the Credit Summit
The fourth revolution: Industry leaders predict the roles AI will replace
A woman in credit: Starling Bank's founder on growth plans and gender diversity in the UK
OC&C charts the road ahead for debt purchasers and DCAs
How Italy became Europe's most active NPL market
The changes collections firms have to embrace, before it's too late
Why the mortgage market is ripe for innovation
How senior managers will be held accountable for conduct
How government proposals could shake the foundations of utilities firms
The frailty of creditors' cyber crime defences
Why more councils need to change their cultural approach to collections
How to help agents cope with multiple forms of vulnerability
Evan Davis: Poised to interrogate CROs at the Credit Summit
Why I&E policies need a closer look
The industry's future leaders of best practice
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