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Credit Control Journal and Asset & Risk Review is one of the world's leading research journals dedicated to the advancement of asset risk management, credit analysis and corporate and consumer risk.


Now in its 37th year of publication, Credit Control Journal  is truly interdisciplinary and international in its approach.


Each issue of the Journal provides subscribers with practical illustrations as well as theoretical analysis and empirical studies on the development of credit risk, asset management, legal issues, accountancy and finance, and IT solutions, all of which which they can quote with confidence to their Board of Directors.


The Journal is published monthly by academic publishers, House of Words Ltd.




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Selected Articles and White Papers


Can Robots Ever Replace Humans?

There is a vague unease about the rise of robots and artificial intelligence in our everyday lives and especially in the workplace that somehow feels familiar.


Energy companies serve up better customer experiences through technology

Energy firms have sometimes come under fire for not passing on the full price reduction in wholesale energy costs to their customers, but the ‘Big Six’ also share a common problem of complaints about customer service.


Secure performance, secure future

An overview on the developments in the trade receivables securitization market based on a qualitative research paper from Demica.


The emerging cloud trends in the changing IT landscape
The IT landscape has changed drastically over the past few years. This is due to a number of factors but stems mainly from the evolution of technology.


Shifting the security mindset – the escalating threat landscape

The modern cyber security threat environment is growing rapidly. In the digital world, the inherent interconnectivity of people, devices and organizations, opens up a whole new playing field of vulnerabilities.


How fraud can be a great customer experience
Consumers are increasingly putting fraud protection amongst their top two criteria when selecting a financial service provider, sometimes even above pricing.


The Rise and Rise of Predictive Chat
Chat as a customer engagement channel is being used more widely today than ever before.

Avoiding Legal Traps and Pitfalls in IT Projects
All too frequently large IT projects give rise to litigation. In this article, the author considers why it is that the courts are increasingly seeing a glut of cases arising out of ill-fated IT projects.


From Brand Values to Increased Profit

Embracing value maximization is the ultimate financial objective for a company, yet traditional financial performance measures, such as earnings or earnings growth, are not always good proxies for value creation.


Wilmington Insight delivers more for its charity clients
When your core business is information, the way that this content is collected, stored, managed and accessed is paramount to the quality, responsiveness and cost of service provided to clients.

Customers are Shaping the Future of Digital Banking
To achieve further growth in a rapidly globalized and increasingly regulated world, banks need to use digital assets and capabilities to create new value propositions for their customers.

A2P SMS? Why Reports of its Demise are Greatly Exaggerated
SMS – or text messaging – is an important customer communication tool for businesses. While Person-to-Person (P2P) appears to be in decline, Over The Top (OTT) and Application To Person (A2P) are both emerging as key services for businesses.

The Four Horsemen of the Call Center
What are the main drivers of change for call centers in the UK?

The hills are alive - with the sound of car insurance texts
Car insurance is sold in a crowded market and finding a point of difference for customers that is both motivating and supportable is key.

Is VNA the building blocks for a complete patient record?
Healthcare Trusts have a new opportunity to deliver a joined-up patient experience following the dismantling of the government’s national IT initiative, Connecting for Health.

Business Needs To Talk SMS
Many brands have taken their eye off the ball when it comes to customer contact strategies.

SMS conversations Offer a great customer experience
SMS texts have several advantages over other customer communications. by and large text messages are opened and read straightaway


Why day dreaming is an essential skill for business leaders
As a leader, do you find time and space to plan the future of your business, or do you find it difficult envisioning new possibilities, or perhaps you just feel that day dreaming is a waste of time?


Tax Relief for Innovative Businesses
With the UK economy having grown faster than any major advanced economy in the world last year, the Government will no doubt be quick to attribute this performance to its strategy for economic growth and tax reform.


Price optimization: The power of customer- centricity in out-pricing the competition

As customers become more demanding and expect their banks to deliver more tailored and compelling services, it is more important than ever for financial organizations to ensure they can stand out from the crowd.


Model management: how to meet banking model regulations without killing your analytics team’s productivity

Banking regulators are increasing their scrutiny of analytic models, peeling back layers of the onion with probing questions.


Mitigating the human factor in data centers
Manufacturers can spend millions on connector development but what they cannot compensate for is the human factor. This is something that only the user/operator can manage and control.


Is it Time to Decouple Supply Chain Finance?
The theory behind Supply Chain Finance is highly appealing. It gives large buying organizations a viable method of extending payment terms, thus building working capital while suppliers still get paid in a timely manner by third party financing provided by banks.


Why European card fraud has hit a new high.

We have seen big changes in the fraud landscape between 2006 and 2013, both in terms of volume and type of attack. European card fraud losses reached a high in 2013, sparking concerns of a new fraud cycle.


Of mice and men

There’s a sign on the wall of the Reprographics Office at an American Air Force base that reads, “Poor planning on your part does not necessarily constitute an emergency on ours.” You can almost feel the exasperation of the person who wrote it.


The Top 9 Mistakes in Data Center Planning

Why do so many data center builds and expansions fail?

Making CRD-IV compliance an ‘automated’ process

As anyone in the European financial services sector will know, the European Banking Agency is pressing for a uniform reporting structure to help it better track banks’ underlying financial strength.


Mobile Technology Can Transform Healthcare
Mobile technology has hit what is sometimes referred to as the ‘mobile moment’, to highlight how mobile technology is redefining the customer relationship.


Train Up Your Own Navigators to Explore the Big Data Ocean
The term ‘Big Data’ has gained a lot of currency in recent years and is expected to become a key driver of competition, growth and innovation in the future.

The Long Overdue Move from Text to Visual
New ways of helping companies communicate with their own customers by using the power of visual prompts or tools delivered direct to their mobiles have been launched.

Data Center Projects
Planning of a data center physical infrastructure project need not be a time consuming or frustrating task.


Mobility and Big Data - An Interesting Fusion
Retailers are increasingly analyzing the Big Data gleaned from customers using their smartphones and tablets. Their goal is to devise more sophisticated omnichannel strategies and re-invent the customer ‘journey’.

Innovation Paves the Way for Building Society Expansion
New and emerging technology is the way forward to understanding and better serving the customer.

Engaging Customer Curiosity is Road to Success
The feature packed smartphone really is the first pervasive computer.


Containerized power and cooling modules for data centers

Standardized, pre-assembled and integrated data center facility  power and cooling modules are at least 60% faster to deploy, and provide a first cost savings of 13% or more compared to traditional data center power  and cooling infrastructure.


Social care dependent on the advancement of mobile working

Social care is a vital component of any country. But in the UK recently, public sector cuts have hit social care hard.


Why doing nothing about BYOD just Isn’t good enough

What are we going to do about BYOD? You may think this is a redundant

question – as for a lot of organizations, the reality is that BYOD, or Bring Your Own Device, has already ‘won.’


The future of customer apps and big data

Harnessing the power of big data is all the rage, and with good reason.


Premier League’s goal is increased productivity

In today’s competitive environment, no company can afford to be complacent about not squeezing as much productivity as possible from every business function that it carries out.


Actuate introduces BIRT iHub 3.1 and BIRT Analytics 5.0

In a highly competitive market, the need to be able to easily integrate and analyze Big Data for better decision-making across the organization to change behaviour is putting greater emphasis on the importance of Embedded Business Intelligence to improve decision making at all levels within the organization.


Collectors facing challenges, but technology leads the way

Customer contact technology is playing an ever-increasing role in the

collections’ industry and at a recent collections agency roundtable in London, the focus was on communications and how the industry can capitalize on what technology has to offer.


The ‘now’ generation and changing customer service expectations

‘The customer is always right’ went the old saying. Perhaps that should be updated to ‘the customer knows they are always right’ as consumer expectations have changed.


Paper wars: boosting productivity by reducing waste

Paper-free processes improve productivity and lower costs, but the biggest impact is on speed of response.


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