Credit Shift
Welcome to Credit Shift
Brought to you by Aryza.com, Credit Shift dives into the challenges, opportunities, tools, and strategies shaping the world of credit, digital debt collection, and customer engagement.
Credit Shift explores key industry trends and innovations, featuring insights from Aryza experts and leading voices across the sector. From AI in collections to digital transformation and customer vulnerability, this podcast is your go-to resource for staying ahead in an evolving industry.
Recent Episodes
48
April 9, 2025
From SMS to Rich Conversations: Exploring RBM in Debt Collection
In this episode of Credit Shift, Mark Oppermann and Graham Bragg dive into the move from traditional SMS to Rich Business Messaging (RBM) — and why it’s a big deal for debt collection and business communication. They chat about how messaging has evolved, what makes RBM stand out, and why branding and trust matter more than ever in customer conversations. From richer content and better engagement to improved security and cost-effectiveness, this episode breaks down the real-world impact of RBM
47
March 10, 2025
The Overlooked Potential of SMS in Debt Collection
In this episode of Credit Shift, Mark Oppermann and Graham Bragg chat about the often overlooked power of SMS in digital debt collection and customer engagement. While it might be one of the older technologies in the mix, SMS still has loads to offer – and many businesses aren't using it to its full potential. They dig into how personalisation, automation, and AI can take SMS beyond the basics, helping businesses create smarter, more effective conversations. There’s also a reminder that compl
46
Feb. 19, 2025
Choosing the Right AI for Debt Collections: Custom Language Models vs. Large Language Models
In this episode of Credit Shift, we dive into the world of AI in debt collection. They break down the key differences between custom language models and large language models, tackling the big question—why does it matter? The conversation gets into the challenges of using AI in regulated industries, the importance of truly understanding customer intent, and where AI is headed in customer interactions. We also chat about why one-size-fits-all AI doesn’t cut it in debt collection and how tai
45
Feb. 3, 2025
AI and Digital Debt Collection in 2025
In this episode of Credit Shift, Mark Oppermann and Graham Bragg discuss the future of AI in digital debt collection, focusing on the advancements expected by 2025. They explore the lessons learned from 2024, the role of AI in enhancing customer experience, and the importance of understanding AI's capabilities and limitations. The conversation also delves into the impact of conversational summaries and co-pilots, navigating compliance and vulnerability detection, and the overall future of AI
44
Oct. 17, 2024
News Update: AI, Fraud, and Consumer Protection: Addressing the Credit Industry's Biggest Challenges
In this episode of Credit Shift News, Paul Sweeney and Cormac O'Neill discuss the latest trends and challenges in the credit industry, focusing on scams, consumer protection, cybersecurity, council tax collection, AI adoption in financial services, and the evolving landscape of fraud. They highlight the importance of security and compliance in financial institutions and the need for innovative approaches to tackle these issues effectively. Takeaways Scam victims are gaining new protections w
43
Sept. 30, 2024
News Update: How AI is Disrupting Traditional Industries AI's Role in Transforming Financial Services
Summary In this episode of Credit Shift News, Paul Sweeney and Cormac O'Neill discuss the latest trends in the credit industry, focusing on: The impact of AI and digitalisation in collections The challenges faced by small businesses due to late payments The growing popularity of Buy Now Pay Later services among young consumers The role of automation in customer service The evolving trust in financial services, emphasising the importance of a seamless checkout experience Tak
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