Fintech Takes x C&R presents Collections Conversations Episode 2: When Customer Centricity Breaks

Feb 5, 2026

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Welcome to Collections Conversations, a new four-part podcast miniseries from Fintech Takes, sponsored by our friends at C&R Software.

The series digs into how generative AI is reshaping debt collections; what it enables, what it complicates, and why it might finally force the industry to retire the word “collections” altogether.

In Episode 2, I sit down with Ed Wallen, CEO of C&R Software.

We kick things off with a hard truth about fintech companies that pride themselves on being customer-centric: that promise most often breaks at the exact moment customers need the most empathy and the most options.

As Ed puts it, you get the Apple experience of onboarding, where everything is sunshine and rainbows, and then suddenly you get the Mad Max experience in debt collections.

Our conversation unpacks why that shift happens. One day early and one day late feel the same to the customer, but on the inside, they trigger an entirely different playbook.

If replacing a customer can cost hundreds of dollars, why treat hardship as a liability instead of protecting lifetime value?

What if the real choice was between a churn machine and a loyalty engine?

This episode is a blueprint for anyone reimagining collections, servicing, and customer trust.

Subscribe to catch more about how generative AI might finally make collections more human.

This episode is brought to you by C&R Software.

More than just debt collection, C&R sets the global standard for AI-native, humanized credit management. They simplify the complex with end-to-end credit-risk lifecycle support, powered by automated workflows, AI-native intelligence, and real-time, data-driven decisioning. Learn more at https://hubs.ly/Q03Wl1DY0.

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