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This is the final post in our OS blog 2.0 series highlighting the “ARM ecosystem”—what it is, how it works, and how ARM businesses can benefit by adopting this approach.


With its dense maze of business, legal, and market challenges, the ARM industry is a tough one to navigate. Pitfalls, risks, and hidden opportunities abound. It’s hard to see a clear path forward, let alone pursue bold growth strategies.


Nevertheless, you can’t afford to sit still. Your survival depends on it. You must become faster, leaner, and stronger to outmaneuver your competitors. You know technology is key, and you continue to invest accordingly.


Yet your business struggles persist, and still, no evolutionary leap. If anything, “innovation” seems to be holding you back.


We’ve written about the classic ARM integration model and its practical implications for businesses. For each new point solution added to the tech stack, a custom interface must be created. With every required fix or update, disparate technologies must be realigned. It’s an unwieldy, gap-ridden arrangement that keeps IT personnel and collection agents from contributing more valuably.


Meanwhile, as IT burdens and costs eat away at the bottom line, leadership teams hold out hope for elusive gains in operational efficiency, compliance management, and revenue recovery.


This is no way to compete in the ARM market.


If you want to compete to win, you need an entirely different approach to innovation—one that drastically simplifies collections and drives business results naturally.


How an ARM Ecosystem Enables Consumer- and Compliance-Friendly Collections

In an ARM ecosystem, all parts are designed from their inception to work together seamlessly. They’re governed by the same brain, and they operate from a single shared database and interface. Every part of the ecosystem responds to any change or event, no matter where in the system it occurs. A built-in software development toolkit allows businesses to add fields, workflows, and other customizations as needed without disrupting or disabling the ecosystem environment.

As accounts are automatically guided through the collection process, the ecosystem accounts for and helps enforce business and compliance rules governing both consumer communications and account records. Without the data and functionality gaps inherent in the classic bolt-on integration model, there’s less room for human error. Collection teams have the real-time visibility they need to manage and prioritize accounts with ease.


Think of an ARM ecosystem as a brand new car, straight from the manufacturer. All system components are designed to operate in sync. When a hands-free call comes in, the radio volume drops and the climate control system automatically adjusts itself. This allows the driver to do his or her job with less effort, greater control, and enhanced safety. When maintenance and upgrades are needed, the dealer can easily complete those tasks to ensure peak operating efficiency and performance.



5 Ways the ARM Ecosystem Can Help You Compete to Win

Introducing an ARM ecosystem will change the way you operate. It could just as easily change the trajectory of your business. Here are five major advantages you stand to gain.



A unified, single-vendor, easily maintained ARM ecosystem will free your IT personnel to devote more of their time to high-value initiatives. It will also mean less effort for your collectors, who would otherwise need to switch between platforms and reconcile data sets. In addition, your team will be able to access and leverage data and analytics with incredible ease and speed.

Real-time insight and oversight will allow you to identify and redirect focus to more profitable accounts and make informed business decisions. With a better handle on your operation, you’ll be well positioned to maximize efficiency and boost your agents’ productivity and collection results.


The ecosystem’s embedded compliance module will act as a protective shield for your business, making it tough for agents to communicate in noncompliant ways. As your compliance fears fade, you’ll be free to continue innovating, expanding options for consumers, and making the debt recovery process even more profitable.


Business rules respond in real time to account activity across the ecosystem. As your business becomes leaner, nimbler, more flexible, and more effective, you can act quickly in pursuit of your business objectives and adapt easily as market conditions change.


An ARM ecosystem drives major changes: improved recovery rates, lower operating costs, and easier, more effective compliance management. Better business results will strengthen your top and bottom line, make you more valuable to your clients, and position you to compete at a higher level.


With a Simpler Tech Model, You’ll Have What It Takes to Win

For decades, we’ve partnered with ARM businesses to help them overcome barriers to their success. We’ve seen how the classic ARM integration model can work against long-term business goals. We designed the ARM ecosystem to be a simpler, more powerful approach to innovation and an industry-leading solution that can supercharge the collection cycle.


If you’d like to learn more about the ARM ecosystem—how it transforms collections and the value it can unlock for your agency—you can find it all in our complimentary eBook “The ARM Ecosystem: Advancing Beyond Integration.” Download your free copy today.


Don’t miss the other posts in our ARM Ecosystem series:


For more insights and tips you can use to accelerate your success in the ARM market, subscribe to the OS blog. We’ll deliver high-value content straight to your inbox.


Boost collections. Lower costs. Close compliance gaps.

Your approach to innovation may be hindering your success. Download “The ARM Ecosystem: Advancing Beyond Integration” and learn what a holistic, seamless collections operation can do for you.

Disclaimer: Ontario Systems is a technology company and provides this blog article solely for general informational and marketing purposes. You should not rely on the content of this material for any other purpose or as specific guidance for your company. Ontario Systems’ advice, services, tools and products described herein do not guarantee compliance with any law or industry standard. You are ultimately responsible for your own company’s actions and compliance efforts. Because everyone’s situation is different, you must consult your own attorneys, accountants, and/or other advisors to obtain specific advice on your company’s compliance, legal, tax, regulatory and/or other business needs. Despite Ontario Systems’ efforts to provide current and up-to-date information, you need to recognize that the information contained herein may become outdated quickly and may contain errors and/or other inaccuracies.

© 2020 Ontario Systems, LLC. All rights reserved. Information contained in this document is subject to change. Reproduction of this publication is not permitted without the express permission of Ontario Systems, LLC.

Posted by Don Siler

With more than 20 years of direct enterprise software and accounts receivable management selling experience, Don Siler serves as Senior Director of Sales and leads the Ontario Systems Government and ARM enterprise sales teams. As a sales officer for clients using Ontario Systems software for more than 7 years, Don brings deep receivables product knowledge and industry relationships across all Ontario Systems markets.
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