Collections Strategy
Channel Strategy: WhatsApp vs. Email in Debt Recovery
In Brazil, WhatsApp opens run 4x higher than email for collections. Route each borrower to the channel their response history supports.
Insights
Brazil collections strategy and AI recovery
Practical articles on overdue portfolio management, AI automation, compliance, and what works in Brazilian collections.
All articles
Collections Strategy
Measuring Recovery Rate Beyond Gross Collections
Gross collection rate hides key signals. Track five metrics to see how lender outreach, resolution, cost, retention, and timing perform.
Collections Strategy
Three Dunning Campaign Mistakes
Same message, same timing, every borrower? See the recovery and churn costs, plus three practical fixes for lender dunning campaigns.
Collections Strategy
Empathy in Collections: What the Data Shows
BLU365 pilot data shows that borrowers who feel heard are more likely to pay and stay customers, with higher contact rates when tone fits borrower context.
Compliance
Brazil Collections Automation Rules for 2026
LGPD enforcement is tightening, while BACEN guidance on digital borrower contact evolves. Key requirements for automated collections programs entering 2026.
Industry Trends
Year in Review: Collections Technology Trends of 2025
In 2025, Brazilian collections moved from asking whether automation works to asking how fast it can launch, with WhatsApp, routing, and embedded recovery leading the shift.
Product Updates
Integrating Collections Software With Core Banking
See how lenders can connect automated collections to core banking or loan systems through CSV or API, without a six-month IT project.
Collections Strategy
First-Party vs. Third-Party Collections: A Framework for Lenders
When should Brazilian lenders keep collections in-house or use an agency? Compare portfolio size, borrower relationships, early and late delinquency, and compliance.
AI and Automation
AI Personalization in Debt Recovery: What Works
We examine which borrower signals improve debt recovery and which personalization tactics add noise.
Compliance
Compliant Collections in Brazil
LGPD, BACEN, and CDC requirements for Brazilian lenders building automated collections programs with clear contact, data, and consumer safeguards.
AI and Automation
Why Collections Automation Needs More Than Batch-and-Blast
Sending one message to every overdue borrower is automation, not intelligence. Learn how channel, timing, tone, and frequency distinguish collections platforms from bulk email tools.
Stay current
New collections and AI recovery articles
Practical content on collections strategy, regulation, and AI automation for lenders managing overdue portfolios in Brazil. No fluff or spam.