| | - Growing market due to a worsening payment morale
- Economies of scale through IT development
- Stiffening competition
- Succession issues for the debt collection company owners
| | - Improved customer services thanks to product diversification
- Synchronizing regulatory environment in Europe
- An increasing need for national and European “brand names”
- The debt collection market in Europe is still highly fragmented; in the US the process of consolidation is already well underway…
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