The credit services industry has changed beyond all recognition in the last 20 years, with technology playing an increasingly vital role in agency operations.

To take advantage of the increasing use of mobile phones and the popularity of text messaging, we have developed a software system that can send a bespoke text message to the mobile phone subscribers the client chooses.

The message is personalised with account details and reference numbers to help identify the individual when they return the call.

Research has shown a marked increase in response with this method, compared with voice messaging or mail.