Receivables management is an integral part of a healthy financial system

▤ Summary

This article discusses the maturity of Bulgaria’s receivables management market and the growing role of professional debt collection firms. It highlights how banks and microlending companies increasingly sell portfolios of bad debt, while the state still lags behind this trend. The piece also covers how AI is being used in portfolio analysis, back-office automation, and collection strategy, but not as a full replacement for human judgment. It argues that the market is becoming more regulated, more disciplined, and more structurally important to the financial system. It also suggests that businesses should prepare for slower growth, more uncertainty, and wider use of AI tools.

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