Guests:
- Topher Androff, Universal Fidelity
- Jon Daane, TEC Services Group
- Shawn Farris, Phillips & Cohen Associates 

DISCUSSION TOPICS
- Collection agencies create mountains of data. Do they need to keep it all? If not, how do they decide what to get rid of? 
- Many agency owners feel trapped with their collection software and are not willing to spend the effort and money to upgrade or update their systems. How does an agency know it’s time to make that switch?
- Do you see “pay by bank” as a payment channel that companies in the ARM industry should adopt? (https://thefintechtimes.com/bank-of-america-leverages-open-banking-to-introduce-account-to-account-payment-solution/)
- What is the most important software/app that you use to help you stay organized and be productive?