RO-AR.com : Numbers, Nuances & Observations

Hosted by ROStrategy

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Episodes

167

Latest episode

Jun 2026

Language

EN-US

About the show

We are on a mission to find the latest ideas, techniques and technologies, in Risk Operations, from companies all around the world. We bring them and the people behind them to you, all to help discover new ideas, spark new thinking and help... at work, as a leader, an employee, in business, at the office or at home.

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60 recent

June 13, 202631 min

Flexible Repayments: The Future of Collections

Rob Tyrrell, co-founder of Haboo Money, explains how changing income patterns, gig economy work, supplementary income and unpredictable earnings create challenges for traditional monthly repayment models. The discussion explores how personalised repayment tools, digital wallets, self-service journeys and data-led insights can help customers remain on track, reduce missed payments and support better outcomes. It also considers the role of open banking, real-time dashboards, AI, API costs, data security and integration with legacy lender systems.More insights and videos at https://www.ro-ar.com

May 23, 202635 min

B2B Credit: Protecting Cash in Uncertain Times

Luke Sculthorp, Commercial Director for the UK and Ireland at My DSO Manager, about the changing dynamics of B2B receivables, arrears management and commercial credit. He explores cash pressure, overdue debt complexity, dispute management, geopolitical risk, automation, customer segmentation, credit judgement, data integration and the future role of technology in empowering credit teams. The discussion positions receivables management as an increasingly strategic function requiring stronger data, better process design and careful use of automation.More insights and videos at https://www.ro-ar.com

May 16, 202626 min

Early Support - Better Outcomes with Local Government

Tracy Stone, Director of Welfare Together, is focused on public sector debt, welfare support and early intervention in local authority collections. This episode we explore why households are falling into arrears, how council tax and utility debts differ from consumer credit, and why middle-income customers are increasingly affected by cost-of-living pressures. The discussion highlights the need for earlier engagement, income maximisation, benefit checks, single-customer views, better financial education and a more preventative approach to collections. It also considers the role of AI in identifying customers who need support, while emphasising that human judgement and empathetic conversations remain central to effective customer outcomes.More insights and videos at https://www.ro-ar.com

April 19, 202633 min

Getting Ahead with AI Adoption

Zandra Moore and Charlie Bartle explore how organisations, particularly in financial services, are moving from AI curiosity to implementation. The discussion focuses on where firms currently stand, why many executives feel pressure to act, and why the real constraint is often not technology but education, prioritisation and change management. They argue that the strongest early returns come from practical internal use cases, especially those that improve operational workflows, unlock institutional knowledge and support compliance. They also discuss the evolution from chat-based tools to assistants and agents, the need for governance and human involvement, and why firms should start with simple, low-risk experiments rather than waiting for perfect certainty.More insights and videos at https://www.ro-ar.com

April 11, 202633 min

The Truth About Affordability

Lee Healey, CEO and founder of IncomeMax, dicusses on affordability, vulnerability, income maximisation and the future of customer support in financial services. It explores how the cost of living, low income, health issues and changing social conditions are affecting households, and considers what financial institutions and government should do in response. A major theme is the balance between human support and digital innovation, including the use of AI to scale customer service while preserving empathy, judgement and inclusion. Overall, institutions can design more humane, effective and resilient support systems for customers facing financial strain.More insights and videos at https://www.ro-ar.com

April 5, 202626 min

Tread Carefully: Regulatory Uncertainty - Retrospective Risk

Jason Wassell from the CCTA podcast discusses the outlook for the UK alternative consumer credit sector through the perspective of the Consumer Credit Trade Association.It focuses on the pressures facing specialist lenders, including affordability stress, motor finance redress, complaints reform, buy now, pay later regulation, Consumer Credit Act reform, and the broader need for greater regulatory certainty. A recurring theme is how smaller lenders can continue to serve underserved customers while managing layered regulatory obligations, operational complexity and emerging technology such as artificial intelligence.More insights and videos at https://www.ro-ar.com

April 4, 202628 min

Why Payment Innovation Fails

Mike Hutchison discusses the evolution of UK payments, centred on the enduring strength of direct debit and the practical implications of newer payment models such as open banking, pay by bank and variable recurring payments. He examines why direct debit has remained so successful, highlighting its strong consumer understanding, low-cost economics, dependable performance and disciplined brand execution. The discussion also explores where newer payment methods add value, particularly for customers who want more control or have irregular income patterns. More insights and videos at https://www.ro-ar.com

March 22, 202640 min

Beyond AI Hype: What Digital Transformation Really Means

In this episode, with Mark Pearce, we explore how AI is moving from hype to real-world implementation across financial services and beyond. We discuss the importance of strong business cases, managing rising costs, and addressing risks such as bias and hallucinations.The conversation highlights how AI can drive efficiency, unlock insights from data, and deliver personalised customer experiences at scale. However, it also emphasises the continued need for human oversight and the importance of maintaining trust and relationships in an increasingly automated world.We also examine emerging trends, including the shift towards open-source models, the challenges of scaling AI within organisations, and how firms can take a pragmatic, test-and-learn approach to adoption.Ultimately, this episode provides a balanced perspective on how organisations can harness AI to remain competitive while ensuring responsible and customer-centric innovation.More insights and videos at https://www.ro-ar.com

February 22, 202637 min

Financial Inclusion: Credit Union model working well

In this discussion with Matt Bland, the Chief Executive of the Association of British Credit Unions, ABCUL; Matt explores the future of the UK credit union sector.He examines consolidation trends, regulatory reform, common bond changes, savings innovation, digital transformation, fintech collaboration, financial resilience challenges, and the government’s commitment to financial inclusion and sector growth.More insights and videos at https://www.ro-ar.com

February 1, 202651 min

AI in Business: What is really happening?

We dive into the rapid evolution of artificial intelligence with John Welsh, co-founder of True Worth AI. John discusses the transition from AI as a question-and-answer tool to autonomous agent systems capable of economically viable work. From a consumer-facing novelty into an enterprise transformation force. The conversation addresses governance, data quality, regulatory developments, enterprise readiness, and the redesign of operating models around AI-enabled workflows.The discussion highlights the shift towards small, specialist models, the emergence of compound agent systems, and the growing need for AI literacy and operational oversight. It also examines the broader implications for the future of work, digital commerce, and the structure of the internet itself, positioning 2026 as a critical year in moving from experimentation to demonstrable business value.More insights and videos at https://www.ro-ar.com

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RO-AR.com : Numbers, Nuances &amp; Observations