Boston, MA
June 2005

Account Life Cycle Solutions: Scoring Solutions in Collections and Recovery Workflow Software

Collections have become an increasingly important area for credit card issuers as the U.S. credit card marekt has matured.  The industry faces a number of challenges including intense competition, increased indebtedness and insolvency, and regulatory pressures.  Delinquency and defaults are the largest expense for issuers, and the area that offers the most promise for bottom line improvements. 

Faced with these challenges, lenders need to find ways to improve the efficiency and effectiveness of collectors.  This means processing more deliquent or charged-off acounts with available resources and collecting more in compliance with the regulations.

 Evren Bayri, a Director in Mercator Advisory Group’s Credit Advisory Service and author of the report comments,  “The latest generation of collections and recovery software addresses these challenges by providing improved automation, better analytics, and tighter integration between issuers and their third-parties.”

This report takes a look at some of the major vendors and their solutions in the recovery software space.  It provides an analysis of the current trends in the U.S. collections industry, looks at the trends in collection technologies and solutions, and covers specific solutions available from CGI-AMS, Fair Isaac, and TSYS.          

The report contains 23 pages and 8 Exhibits.

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