PAIR Finance addresses debtors on an individual basis: some by their first names, others more formally - some get text messages, others get a letter. Zalando is now taking a stake in the debt collection service.

Debt collectors have a bad image. PAIR Finance founder Stephan Stricker explains how he intends to change that.

Start-up PAIR Finance is hoping to revolutionise the debt collection market. The company hopes to use behavioural research to recover money from overdue clients. The secret to their success is addressing them individually.

Debt collection in the big data era: Jürgen Stüber on a start-up using real-time algorithms to recover debts.