A positive collection engagement and better customer relationships lead to efficient collections, customer retention, and profitability. At the same time, the pandemic emphasized the need for responsible debt collection and practices that focus on the financial wellbeing of customers. Lenders need to adopt innovative techniques to comply with new credit collection regulations, maintain a competitive advantage, and maximize customer satisfaction. In this whitepaper, Loxon and IBS Intelligence explore how automation, behaviour-based segmentation, personalized communication and project-specific teams can create an effective customer-centric debt collection process.