Blog
Short reads on reaching people, staying compliant and reading the numbers right.
Featured2 Oct 2026 · 4 min readA tier 1 Spanish bank measured Murphy against its own call centreA 90 day pilot on 0 to 90 day arrears: the bank's call centre recovered 77%, Murphy recovered 81%. How the pilot was set up and what was measured.Read the post
14 Oct 2026 · 10 min readWhat AI collections is, and what it does on a callAI collections for heads of collections: what an AI agent does on a real call, what it changes in your team, what it never decides, and the EU rules.Read the post14 Oct 2026 · 7 min readDunning for subscription businesses: recovering failed paymentsWhy subscription card payments fail, when to retry, what the reminders should say, when a call beats an email, and when dunning hands over to collections.Read the post14 Oct 2026 · 7 min readWhy promises to pay get broken, and how to make them stickWhy promises to pay break and how to get them kept: the right person, an affordable amount, their date, payment in the call and a reminder the day before.Read the post13 Oct 2026 · 8 min readHow to choose debt collection software in 2026Debt collection CRM, AI dialer, voice AI platform, AI agent or AR tool? What each does, which fits your book, and an ROI sum you can run yourself.Read the post12 Oct 2026 · 7 min readBNPL and consumer finance collections: why the first 30 days decideCollections for BNPL and small consumer loans: why the first 30 days decide, what a human call costs against a 40 euro instalment, and what CCD2 requires.Read the post10 Oct 2026 · 8 min readWhat happens to a debt nobody has paid for monthsWhen a loan becomes non-performing, what a write-off really means, how NPL portfolios are priced and sold, and what the EU credit servicers rules changed.Read the post9 Oct 2026 · 6 min readWhat AI collections costs when your book is smallWhat AI debt collection software costs a small business: four pricing models, the hidden costs, and the sums against an agency or your own hours.Read the post8 Oct 2026 · 5 min readCollecting without losing the customerHow to recover unpaid customer payments and keep the customer: what late payers respond to, what drives them away, and a tone that keeps the relationship.Read the post7 Oct 2026 · 7 min readCollections rules in Spain, Brazil and Italy: the small lender's mapAI collections compliance in Europe and Brazil for a small book: who you may talk to, when, what you may never do, and what the EU AI Act and GDPR add.Read the post6 Oct 2026 · 6 min readHow to collect unpaid invoices without a collections teamHow to collect unpaid invoices without a collections team: the reminders that work, when to call, what the law adds, and when to hand it over.Read the post5 Oct 2026 · 7 min readWhat to ask an AI collections vendor before you signTen questions for buying AI debt collection software: rule enforcement, evidence, languages, core banking integration and price at your volume.Read the post4 Oct 2026 · 6 min readKeep collections in house or hand them to an agency?In-house collections vs outsourcing to an agency: contingency fees, what you lose with the customer, and the split most small books end up with.Read the post3 Oct 2026 · 5 min readWhy people answer WhatsApp but not phone callsUnknown numbers get screened, messages get read. What that means for right party contact rates in collections, and what it does not change.Read the post