Se prevé que el mercado de software de cobro de deudas alcance los 6.068,25 millones de dólares en 2028 desde los 3.177,26 millones de dólares en 2021; se espera que crezca a una tasa compuesta anual del 9,9 % de 2022 a 2028.
El software de cobro de deudas representa todo el conjunto de datos y los planes operativos del programa de recuperación de deuda, incluida la API. Los programas de recuperación de deuda también pueden tener funcionalidad para imprimir informes y analizar deuda. El software de cobro de deudas recopila todos los perfiles de los deudores en una sola ubicación, incluida su dirección, información de la tarjeta de crédito, saldo actual y un informe completo sobre los pagos morosos de la deuda, como el monto, la antigüedad de la deuda, etc. Su propósito principal es intercambiar información entre acreedores y DCA sobre el perfil del deudor, ubicación, información de contacto, información adicional sobre sus deudas, etc. BPO es otro nombre para este procedimiento de intercambio de datos. El software y la API para la recuperación de deudas se pueden utilizar para cobrar cancelaciones tanto de empresas como de consumidores.
Impacto de la pandemia de COVID-19 en el crecimiento del mercado de software de cobro de deudas
El COVID- 19 provocó confinamientos, restricciones de movimiento, reducción de ingresos y una elevada carga de deuda, lo que afectó a varias empresas. Además, los desequilibrios financieros y las vulnerabilidades, como la deuda insostenible y la reducción de la calidad crediticia, han causado daños a la estabilidad financiera y al desarrollo financiero a largo plazo. Además, existe una enorme penetración de cobradores de deudas sin escrúpulos, incluidas pequeñas agencias regionales que se especializan principalmente en el cobro de deudas sobre el terreno, que representan más del 80% de las quejas. Además, los actores del mercado de cobro de deudas atrajeron la atención de políticos y reguladores de varias regiones debido a la afluencia de deudas en las economías emergentes. La regulación también se volvió más estricta y las autoridades estatales se centraron directamente en trabajar con los prestatarios. La pandemia obligó a los principales actores del mercado a reelaborar sus estándares y prácticas, pasando de aplicar presión a los deudores a mejorar su educación financiera y encontrar formas de salir del análisis de mercado de software de cobro de deudas durante la crisis.
Diferentes países aplicaron varias medidas específicas. medidas para defender a las pequeñas empresas durante las respuestas políticas inmediatas implementadas por varios gobiernos para mitigar la propagación de COVID-19 y mantener el mercado financiero. Las medidas se tomaron en materia de ayuda financiera, aplazamiento de impuestos y contribuciones obligatorias, y solicitudes a las organizaciones de crédito para que proporcionen un período de gracia.
Mercado de software de cobro de deudas: perspectivas estratégicas
regiones lucrativas para Mercado de software de cobro de deudas
Perspectivas del mercado: Mercado de software de cobro de deudas
El mercado de software de cobro de deudas está ampliamente segmentado en cinco regiones principales: América del Norte, Europa, Asia Pacífico, Medio Oriente y Asia. África y Sudamérica. América del Norte dominó el análisis del mercado de software de cobro de deudas debido a factores como una digitalización más rápida, la inclinación hacia los servicios basados en la nube y la disponibilidad de software de cobro de deudas inteligente diseñado para acelerar el procedimiento de recuperación de deudas en los países de América del Norte. Además, la presencia de varios proveedores de software de cobro de deudas en países como Estados Unidos y Canadá influye en el crecimiento del mercado de software de cobro de deudas en la región. La adopción constante de servicios avanzados de cobro de deudas en todas las instituciones financieras está creando oportunidades lucrativas para el análisis del mercado de software de cobro de deudas en la región. Sin embargo, se estima que Asia Pacífico (APAC) es la región de más rápido crecimiento en el mercado de software de cobro de deudas. En Japón, la deuda pública representó el 225,8% de su PIB en 2022, con un máximo histórico del 227,2% en junio de 2022. Según los datos publicados por el Banco de Pagos Internacionales de China, en diciembre de 2022, el crédito al El sector no financiero de China representó 51,87 billones de dólares, o el 295% del PIB. Ambas economías han tomado varias medidas, como impulsar la demanda agregada, reducir las importaciones y promover el desarrollo de infraestructura. India, Australia y Corea del Sur son otras economías importantes de la región que enfrentan problemas similares. Se espera que estos factores en conjunto promuevan el crecimiento del mercado de software de cobro de deudas en la región.
Información basada en el tipo de implementación
Según el tipo de implementación, el mercado de software de cobro de deudas se segmenta en local y nube. El segmento de la nube tuvo una mayor participación en el mercado de software de cobro de deudas en 2021, debido a algunos factores como mayor agilidad, escalamiento personalizado, confiabilidad, rentabilidad y capacidades de autoservicio. La pandemia de COVID-19 provocó un aumento del 72 % en el uso de aplicaciones fintech en toda Europa y un aumento del 50 % en los canales bancarios digitales en todo el mundo. Además, los actores del mercado de software de cobro de deudas están tomando varias iniciativas para hacer crecer sus implementaciones basadas en la nube, acelerando aún más el crecimiento del mercado. Por ejemplo, Ameyo lanzó un robot de voz de cobranzas para agilizar las llamadas de cobranza de préstamos y lograr una cobertura óptima del cliente. Ameyo ha ofrecido entornos de nube pública para soluciones de cobro de deudas en numerosos BFSI, como HDFC Bank y FE Credit. Además, D2R Collect, una aplicación FinTech basada en la nube para la recuperación de deudas, se asoció con REPAY para mejorar los procesos de cobro ofreciendo capacidades de pago digitales inteligentes.
El mercado mundial de software de cobro de deudas está segmentado en función de componente, tipo de implementación, tamaño de la organización, industria vertical y geografía. Según los componentes, el mercado se divide en software y servicios. El segmento de software representó una mayor proporción del mercado mundial de software de cobro de deudas en 2021. Según el tipo de implementación, el mercado se divide en local y en la nube. El segmento de la nube representó una mayor proporción del mercado mundial de software de cobro de deudas. Según el tamaño de la organización, el mercado se divide en pymes y grandes empresas. El segmento de grandes empresas representó una mayor proporción del mercado mundial de software de cobro de deudas. Según la vertical de la industria, el mercado se segmenta en TI y tecnología. Telecomunicaciones, BFSI, comercio minorista, fabricación y otros. El segmento BFSI representó la mayor parte del mercado mundial de software de cobro de deudas. Según la geografía, el mercado mundial de software de cobro de deudas está segmentado en América del Norte, Europa, Asia Pacífico, Medio Oriente y Asia. África y Sudamérica. Chetu Inc.; FICO; CSS, Inc.; Experian Soluciones de Información Inc.; EXÚS; Soluciones Loxon; FIS; Pegasistemas; Quantrax Corporation, Inc.; y CGI Inc. son algunos de los actores clave del mercado de software de cobro de deudas.
Los actores del mercado de software de cobro de deudas se centran principalmente en asociaciones para crear valor para el cliente.
- En 2022, Chetu, un desarrollador líder de soluciones de software personalizadas, anunció la última expansión de sus oficinas internacionales cuando la compañía abrió un nuevo centro de entrega de software en Noida, India. Además, la expansión tiene como objetivo adaptarse al crecimiento sostenido de sus operaciones globales mediante la apertura de una nueva instalación de desarrollo de software en su campus A-206 en India.
- En 2021, FICO, una empresa líder en análisis predictivo y análisis de datos. La empresa de software de gestión de decisiones y Constellation Software Inc. anunciaron conjuntamente que habían completado la venta del negocio de recopilación y recuperación de FICO al grupo operativo Jonas Software de Constellation, un proveedor líder de soluciones de software de gestión empresarial.
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
This text is related
to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
This text is related
to country scope.
Frequently Asked Questions
The global debt collection software market was estimated to be USD 3177.26 million in 2021 and is expected to grow at a CAGR of 9.9% during the forecast period 2022 - 2028.
Businesses are adopting self-service payment platforms to track customers, bill payments, and maintain authenticity. Thus, rising automation in the debt collection process is driving the demand for debt collection software. Also, the healthcare industry is expected to grow the fastest due to rising patient costs and bad debts in the healthcare industry. In addition, the expansion of medical collections software is driven by increasing demand for debt collections software and technologically enhanced systems to reduce bad debts and accelerate and automate collection cycles.
Customer self-service options and empathy are paramount when designing a customer-centric process for collection. Defaulting borrowers can use their channel of choice to settle their debt problems. Thus, the emerging trend of digital multi-channel communications & a customer-centric approach will drive the debt collection software demand in the market during the forecast period.
The key players, holding majority shares, in debt collection software market includes Chetu Inc.; FICO; CSS, Inc.; Experian Information Solutions Inc.; EXUS; Loxon Solutions; FIS; Pegasystems; Quantrax Corporation, Inc.; and CGI Inc.
Asia Pacific is the fastest-growing region in the debt collection software market. Factors such as rising omnichannel collection models, increasing need to minimize bad debt and improve cash flow and growing adoption of automation in the accounts receivable process are driving the debt collection software market in the region.
The software segment led the debt collection software market with a significant share in 2021. The software helps streamline the collection process and improve operational efficiency by ensuring broader coverage and straightforward connect rates. Intelligent debt collection software that follows debt collection industry trends can effectively generate higher Promise to Pay (PTP) rates.
The incremental growth expected to be recorded for the debt collection software market during the forecast period is US$ 2626.15 million.
The List of Companies - Debt Collection Software Market
- Chetu Inc.
- FICO
- CSS, Inc.
- Experian Information Solutions Inc.
- EXUS
- Loxon Solutions
- FIS
- Pegasystems Inc.
- Quantrax Corporation, Inc.
- CGI Inc.
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.
Related Reports
Jan 2023
Engineering Professional Services Market
Size and Forecast (2021 - 2031), Global and Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Type (Consulting, Non-Consulting), Service Type (Designing and Construction, ESG, Program Management, Others), Sector (Private, Public), Vertical (Advanced Manufacturing, Infrastructure, Energy and Utilities, Environmental, Transportation, Others), Advanced Manufacturing (Data Center, Life Sciences, Electronics, and Semiconductor, EV and EV Battery, Others), Infrastructure (Buildings and Cities, Health Infrastructure, Telecommunication Infrastructure, Others), Energy And Utilities (Renewables, Energy Storage, Transmission and Distribution), Transportation (Aviation, Highways and Bridges, Ports and Maritime, Rail and Transit), Water (Water, Wastewater), and Geography (Americas, Europe, Asia Pacific and Middle East and Africa)
Jan 2023
Virtual Reality Puzzle Games Market
Size and Forecast (2020 - 2030), Global and Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Age (18 to 34 Years, Above 35 Years, 13 to 17 Years, and Upto 12 Years), Player Type (Single Player and Multi Player), and End Users (Individuals and Professionals)
Jan 2023
AI Data Management Market
Size and Forecast (2021 - 2031), Global and Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Offering (Solution and Service), Deployment (On-premise and Cloud), Technology [Machine Learning, Natural Language Processing (NLP), Computer Vision, and Context Awareness Computing], and Industry Vertical (BFSI, Retail & E-commerce, IT & Telecom, Healthcare, Government & Utilities, and Others), and Geography
Jan 2023
Inspection Software for Government Services Market
Size and Forecast (2020 - 2030), Global and Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Component (Software and Services), Services (Implementation and Deployment, Support and Maintenance, Training, and Consulting), Deployment (Cloud and On-premises), Application (Permitting and Licensing Management, Inspection and Scheduling Management, Contract Management, and Others), and End User (Local Government, State Government, and Federal Government)
Jan 2023
Mobile Threat Defense Market
Size and Forecast (2020 - 2030), Global and Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Operating System (Android and iOS), Enterprise Size (Large Enterprises and SMEs), and End-User (IT and Telecomm, BFSI, Manufacturing, Retail and E-commerce, Government, and Others)
Jan 2023
Spend Analytics for Electronics and Semiconductor Market
Size and Forecasts (2020 - 2030), Global and Regional Share, Trend, and Growth Opportunity Analysis By Component (Software and Service), Type (Descriptive Analytics, Predictive Analytics, and Prescriptive Analytics), Deployment (On-premise and Cloud), and Application (Financial Management, Risk Management, Governance and Compliance Management, Supplier Sourcing and Performance Management, Demand and Supply Forecasting, and Others)
Jan 2023
Photonic Design Automation Market
Size and Forecasts (2020 - 2030), Global and Regional Share, Trends, and Growth Opportunity Analysis Report Coverage: By Component (Solution and Service), Deployment (On-Premise and Cloud), Organization Size (SMEs and Large Enterprises), and Application (Academic Research and Industrial Research & Manufacturing)
Jan 2023
Voice-based Payments Market
Size and Forecast (2020 - 2030), Global and Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Component (Hardware and Software), By Enterprise Size (Large Enterprises and Small and Medium-Sized Enterprises), By Industry (BFSI, Automotive, Healthcare, Retail, Government, and Others), and by Geography