The consumer desire for a brighter Christmas amidst continuing Covid-19 restrictions has seen a sharp rise in ‘buy now pay later’ schemes, and with furlough ending and depression rates rising, a perfect storm lies ahead for all collections teams as consumers juggle multiple payment demands.

Telecoms organisations face a highly challenging business environment as digitisation continues to fuel the relentless disruption of established business models and practices, to enable increasing competition from new, more agile, entrants and forces constant regulatory changes as the market grapples with the societal shift to living and conducting business online.

At a recent roundtable in partnership with Wired, Doug Brown, Head of Data, Cyber and AI Guild and Chief Data Scientist of Capita Consulting, was joined by Lisa Talia Moretti, a digital sociologist at the Ministry of Justice; Reid Darby, innovation lead at Golden Valley Development in Cheltenham; Carly Kind, Director at the Ada Lovelace Institute and Tavi Kotka, an engineer/entrepreneur and former Chief Information Officer for the Estonian government to discuss data, identity and the digital citizen.

The second year of the pandemic has seen more people in the UK slide further into debt and organisations need to recalibrate their response through empathetic collections.

You don’t have to be involved in collections to be aware that the last 18 months have affected the financial circumstances of a huge number of people.

Capita and the Local Government Chronicle hosted a webinar to bring together local government experts and discuss how to secure funding to help revitalise our high streets.

Back in the Thatcher years of the 1980s, the explosion of out-of-town shopping centres arguably presented the biggest threat to our traditional town centres.

Town centres and high streets have traditionally been the focus of urban life, whether this is somewhere like London - often described as ‘a collection of villages’ - or a market or regional town.

Treating customers with empathy has been an increasingly important area of focus within the customer experience industry.

Local government exists to serve local people, businesses and those who visit, either to work or for recreation.