In this finale episode, we reflect on the journey so far and look ahead to what’s next for the collections and recoveries industry. Across the series, we’ve explored how AI, regulation, and transformation are reshaping the way organisations operate. This episode brings those themes together, highlighting the key lessons we’ve learned, and the trends set to define the future.

We share five takeaways: AI is a force multiplier but not a silver bullet; compliance now demands continuous oversight; system implementations are business-wide transformations; people are as important as platforms; and the winners are those who turn insight into action quickly.

Looking ahead, AI will become embedded across the change lifecycle, regulators will expect real-time evidence of compliance, and data will be increasingly critical. With composable platforms, hybrid delivery models, and AI-powered tools gaining ground, the pace of change is only accelerating.

At Arum Global, we remain committed to helping organisations navigate this evolving landscape with confidence and impact.

In this episode, we explore the seven most common mistakes organisations make during collections system implementations, and how to avoid them. Drawing on insights from over 500 global implementations, we highlight the challenges that can derail even the most well-intentioned projects and share practical strategies for getting it right.

Whether you're at the early planning stage, mid-flight, or facing post-go-live issues, this episode offers actionable guidance to help de-risk your programme and deliver real business value.

We cover:

1. Treating the implementation as purely a technology project

2. Underestimating data migration complexity

3. Skipping full end-to-end journey testing

4. Over-customising instead of configuring

5. Not engaging or training users early enough

6. Failing to define success metrics

7. Overlooking compliance and audit requirements

System implementations are complex, but common pitfalls are avoidable. Success depends on early, cross-functional collaboration, a business-first mindset, and disciplined programme governance.

In this episode, we examine the Financial Conduct Authority’s upcoming Product Sales Data (PSD) regulation, which will take effect in Q3 2025. PSD represents a major shift in regulatory expectations, requiring firms with more than £20 million in outstanding balances or new advances to submit comprehensive, near real-time data on product performance. This change aligns with a global movement towards more data-driven supervision, where regulators demand faster, more accurate insights to protect consumers.

Firms that do not prepare adequately face significant risks, including operational disruption from inadequate systems, regulatory penalties for poor-quality or late submissions, and the strain of relying on fragmented legacy technology. Quick fixes and manual reporting are no longer sufficient and often lead to higher costs and compliance gaps. Proactive investment in modern infrastructure is essential to avoid these pitfalls.

Arum encourages firms to view PSD as an opportunity to strengthen data capabilities, improve controls, and enhance decision-making. Modern cloud platforms, automated reporting tools, and AI-powered data quality processes can turn compliance into a strategic advantage. Using our Regulatory Readiness Framework, we help organisations benchmark their current state, design a tailored roadmap, and implement solutions that deliver lasting value well beyond the 2025 deadline.