The ARM industry has grown throughout its history along with the regulatory framework, business models, client expectations, and technology platforms that have contributed to its development. While the industry’s early history was marked mainly by the personal expertise of individual collectors, ARM companies came to depend more on the business systems and processes that allow these companies to function and grow as a whole.
This whitepaper outlines the evolution of the accounts receivable management industry in the United States, tracing the growth of the prototypical “mom and pop shop” to the sizable companies that compete in this industry today.
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