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For decades, collections were rooted in manual processes: phone calls, paper letters, and spreadsheets. While those methods still exist, they’re no longer enough to keep pace with today’s consumer expectations, compliance requirements, and business growth demands. We live in an age where nearly every interaction — from ordering groceries to paying bills — happens digitally. If your collections process hasn’t evolved to match, you’re leaving money on the table and risking cons

At Divinity Software, we’re changing the game. By equipping our clients with automation, transparency, and flexibility, we’re helping them create positive, even appreciated, financial experiences. In fact, it’s not unusual for consumers to thank our clients after resolving a debt—something almost unheard of in traditional collections.

In a world driven by convenience and technology, consumers are comfortable using digital banking, mobile payments, and online customer service portals. Yet, one area still lags in consumer trust: digital debt collection. Despite its potential for speed, efficiency, and reduced costs, digital collections face a trust deficit rooted in fears of fraud, impersonation, miscommunication, and lack of transparency.

Texting is the new phone call. It’s fast, it’s efficient, and—when used correctly—it can drastically improve response rates, reduce inbound call volume, and even help you collect faster. But there’s a big catch.