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Using data insights and behavioural science

27 November 2019

Data driven science, and the behavioural insights we can draw from it, is making huge waves in the modern world. But the High Court enforcement industry is lagging behind. At Just, we think it’s insupportable that an industry that often deals with vulnerable people isn’t taking advantage of the technology available to build data-informed strategies. We aim to change this.

Data and behavioural science - What can it do?

Data is what makes the modern world work. The right data can tell us anything from a person’s birthday to the amount of money they may have. Of course, this data has to be gathered appropriately, and certain things can’t be submitted for data analysis unless they’re volunteered by the person themselves. Ethically obtained and properly analysed data however, can give us a huge amount of relevant insight.

Bringing behavioural science into the mix, we can use insights we’ve gleaned from our data to understand how certain people may behave in certain situations. Behavioural models can tell us very relevant things, like what certain debtors may find distressing. It can help us to understand their vulnerabilities and predict actions that could damage the reputation of creditors.

How can we use this?

The important thing, of course, is to use the powers that data and behavioural sciences lend responsibly. We won’t be exploiting vulnerabilities - we’ll be adjusting our strategies in a compassionate way to accommodate them. For example, sending female enforcement agents to lone female debtors, contacting debtors in their own languages, making allowances for things like disability, mental health, bereavement, and so on. However, in order to do this, we first need to have a system in place that analyses, identifies, and accommodates these factors.

Just will implement a data-driven infrastructure across the board and we have brought in one of the world’s leading behavioural experts to work with us on developing relevant behavioural models. This will allow us to quickly identify any germane information and/or vulnerabilities before devising a resolution strategy. We can then work on a fair, just, and compassionate strategy which is appropriate to the circumstances of the debtor and which protects the creditor’s reputation.

Everyone deserves to be treated fairly and with respect during the enforcement process. But that’s not possible if we don’t know enough about their specific circumstances, vulnerabilities, and general context. In this modern age of data and behavioural science, there’s no excuse for not using the technology at our disposal to bring the industry into the 21st century. And that’s exactly what Just will do.

Read more about our unique approach and the solutions we offer. We aim to create a marketplace to enable a step-change in the number of people using High Court enforcement as an accessible and safe method of justice.