DPDzero blogs

  • Handling rate limits from messaging vendors

    Understanding DPDzero DPDzero is a Collections As a Service that enables scalable collections for banks, fintechs, NBFCs, and MFIs, effortlessly. We facilitate the recovery of debt across a wide range of loan products and delinquency stages, making it easier for financial institutions and their collection teams to achieve their goals. The Challenge One of our…

  • The Mechanics of Money

    When we think of money, most of us picture currency notes printed by the Reserve Bank of India. But in reality, those colorful notes are just the tip of the iceberg. The truth? Most of the money in the Indian economy is created by commercial banks — not the RBI.Let’s unpack how this works. 1.…

  • The Samurai Way of Managing Memory Leaks

    At DPDzero, we run a data syncing service called Bifrost — a simple Python engine that syncs business data between two micro-services. It does the following: The design is simple: an infinite loop watches for changes in S3 and syncs new data into the Iceberg destination. We run it on a Docker container inside a…

  • We are Dogmatic About TDD

    At DPDzero, every backend change must be accompanied by tests. No exceptions. We’ve been doing this since day one — and while many startups believe testing slows down development, we’ve seen the exact opposite. The Common Myth There’s a belief that writing tests slows you down and hurts speed, especially in early-stage startups. In reality,…

  • What are the 5 metrics that matter for Debt Collections?

    In the world of debt collections, success hinges on efficiency and effectiveness. While chasing down overdue payments might seem straightforward, achieving optimal results requires a data-driven approach. Measuring the right metrics fosters transparency, collaboration, and ultimately, improved Collections performance. This article delves into five key metrics that empower collections teams to collaborate effectively with lending…

  • What is Debt Collections? A Simple Guide

    Imagine you lend your friend some money, let’s say ₹500, for an important expense. They promise to pay you back in a month. But a month passes, then two, and your friend still hasn’t returned the money. You start to get worried. What do you do? This is where debt collection or debt recovery comes…

  • Tech That Speaks Results: Truth beyond the ‘AI’ Obsession in Collections

    With ChatGPT leading the conversation as its poster boy – seems like ‘Artificial Intelligence’ has become everyone’s buzzword-of-the-day everyday. However, amidst the AI frenzy, a paradoxical truth emerges: the majority fail to grasp its limitations. Instead, AI has become the in-vogue label, slapped onto everything from toasters to toothbrushes. In this wild, AI-infused ride, we…

  • Why is Q4 the best time to evaluate your collection partners?

    The festive season is long over but the spending spree hasn’t! Easy access to small loans has fuelled a surge in consumer spending, creating to a ripple effect in the Indian lending landscape. This calls for a strategic move to re-evaluate your Collection Partners this Q4. Before diving in, let’s understand the significant events that…

  • Demystifying Debt Collections in India

    Debt. It’s a word that can send shivers down anyone’s spine, especially in India where the rise of credit cards, easy loans, and BNPL schemes has made borrowing more accessible than ever. But what happens when those borrowed rupees turn into unpaid dues? Enter the world of debt collection. For many Indians, navigating the world…

  • 3 Technology trends that will shape the future of Debt Collections

    For years, the collections industry has struggled to earn respect. Many shy away from it because they don’t want to be seen as harassing others for a living. It’s often referred to as “the dark side” of lending, known for its disorganisation, lack of transparency, and high-stress environment. Despite its flaws, it plays a crucial…