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1<!DOCTYPE html><html lang="en-GB" data-accent="navy" data-region="US" data-region-source="header"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1"/><link rel="preload" href="/fonts/manrope-var-latin.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/fonts/public-sans-var-latin.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/fonts/montserrat-var-latin.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" as="image" href="/assets/arum-wordmark-white-CoI_4Ixw.png"/><link rel="preload" as="image" href="/assets/logos/lloyds.webp"/><link rel="preload" as="image" href="/assets/logos/bank-of-ireland-uk.svg"/><link rel="preload" as="image" href="/assets/logos/british-gas.webp"/><link rel="preload" as="image" href="/assets/logos/bnz.webp?v=2"/><link rel="preload" as="image" href="/assets/logos/synchrony.webp?v=2"/><link rel="preload" as="image" href="/assets/logos/cbe-group.webp"/><link rel="preload" as="image" href="/assets/accreditations/iso-27001.png"/><link rel="preload" as="image" href="/assets/logos/hsbc.webp"/><link rel="preload" as="image" href="/assets/logos/natwest.webp"/><link rel="stylesheet" href="/assets/styles-BwH_YWsX.css" data-precedence="default"/><link rel="preload" as="image" href="/assets/accreditations/cyber-essentials.png"/><link rel="preload" as="image" href="/assets/logos/tesco-bank.webp"/><link rel="preload" as="image" href="/assets/logos/dwp.webp"/><link rel="preload" as="image" href="/assets/accreditations/crown-commercial-service.png"/><link rel="preload" as="image" href="/assets/logos/experian.webp"/><link rel="preload" as="image" href="/assets/accreditations/g-cloud.png"/><link rel="preload" as="image" href="/assets/logos/engie.png"/><link rel="preload" as="image" href="/assets/accreditations/rmai.png"/><link rel="preload" as="image" href="/assets/logos/westpac.webp"/><link rel="preload" as="image" href="/assets/accreditations/hellios-fsqs.png"/><link rel="preload" as="image" href="/assets/logos/ing.webp?v=2"/><title>arum | Collections and recoveries technology, AI and data</title><meta name="author" content="arum"/><meta name="application-name" content="arum"/><meta name="theme-color" content="#002855"/><meta property="og:site_name" content="arum"/><meta name="description" content="arum helps banks, governments and the world&#x27;s largest brands realise the full value of technology, AI and data across collections and recoveries."/><meta property="og:title" content="arum | Collections and recoveries technology, AI and data"/><meta property="og:description" content="arum helps banks, governments and the world&#x27;s largest brands realise the full value of technology, AI and data across collections and recoveries."/><meta property="og:url" content="https://www.arum-global.com/"/><meta property="og:type" content="website"/><meta property="og:image" content="https://www.arum-global.com/assets/og/home.png"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="arum | Collections and recoveries technology, AI and data"/><meta name="twitter:description" content="arum helps banks, governments and the world&#x27;s largest brands realise the full value of technology, AI and data across collections and recoveries."/><meta name="twitter:image" content="https://www.arum-global.com/assets/og/home.png"/><meta name="robots" content="index,follow,max-image-preview:large"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><link rel="modulepreload" href="/assets/index-CxAP_u41.js"/><link rel="modulepreload" href="/assets/jsx-runtime-DUAcabCT.js"/><link rel="modulepreload" href="/assets/button-CgtoLtn3.js"/><link rel="modulepreload" href="/assets/portraits-foQpHJd_.js"/><link rel="modulepreload" href="/assets/insights-db-aMaAjI0U.js"/><link rel="modulepreload" href="/assets/booking-flow-DLu9dUoZ.js"/><link rel="modulepreload" href="/assets/useStore-ch-uZoUR.js"/><link rel="modulepreload" href="/assets/page-kit-DbXs5C-Y.js"/><link rel="modulepreload" href="/assets/redirect-DCb_aIiF.js"/><link rel="modulepreload" href="/assets/qss-CuvTgpZA.js"/><link rel="modulepreload" href="/assets/root-DLTE-HSj.js"/><link rel="modulepreload" href="/assets/platform-summaries-D2Zjq9wP.js"/><link rel="modulepreload" href="/assets/routes-DTRK7F3i.js"/><link rel="modulepreload" href="/assets/routes-Cg1Jm7U0.js"/><link rel="modulepreload" href="/assets/routes-OOCYnYPp.js"/><link rel="icon" type="image/svg+xml" href="/favicon.svg"/><link rel="icon" type="image/png" sizes="32x32" href="/favicon-32.png"/><link rel="icon" type="image/x-icon" href="/favicon.ico"/><link rel="apple-touch-icon" sizes="180x180" href="/apple-touch-icon.png"/><link rel="canonical" href="https://www.arum-global.com/"/>
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1</head><body><a href="#main" class="skip-link">Skip to content</a><header class="sticky top-0 z-50 w-full lg:-top-[34px]"><div class="hidden bg-[var(--color-navy-deep)] text-[12.5px] text-white/[0.62] lg:block"><div class="container-content flex h-[34px] items-center justify-between gap-6"><p>Collections and recoveries technology, AI and data.</p><div class="flex items-center gap-5"><span class="flex items-center gap-1.5"><span aria-hidden="true">Email</span><a href="mailto:[email protected]" class="transition-colors hover:text-white"><b class="font-medium text-white/[0.85]">[email protected]</b></a></span><button type="button" aria-label="Search" aria-expanded="false" class="inline-flex h-[26px] w-[26px] items-center justify-center rounded-[2px] text-white/[0.85] transition-colors hover:bg-white/10 hover:text-white"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" 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href="/" data-status="active" aria-current="page"><img src="/assets/arum-wordmark-white-CoI_4Ixw.png" alt="" width="720" height="153" class="h-auto w-[92px] sm:w-[104px]"/></a><nav aria-label="Primary" class="hidden self-stretch lg:flex"><ul class="flex self-stretch"><li class="flex items-center"><div class="inline-flex items-center gap-1.5 rounded-[2px] px-[13px] py-2 text-[15px] font-medium transition-colors text-white/[0.88] hover:text-white"><a href="/services">Services</a><button type="button" aria-expanded="false" aria-controls="mega-services" aria-label="Services menu" class="-my-2 -mr-2 inline-flex h-7 w-5 items-center justify-start"><svg viewBox="0 0 12 12" width="12" height="12" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .25s;transform:none"><path d="M2 4l4 4 4-4"></path></svg></button></div><div id="mega-services" role="region" aria-label="Services menu" data-open="false" class="mega-panel"><div class="container-content grid grid-cols-[minmax(0,4fr)_minmax(0,8fr)] items-start gap-12 pb-10 pt-9"><div><p class="font-display text-[25px] text-[var(--color-navy)]" style="font-weight:600;letter-spacing:-0.03em;line-height:1.1">From technology decision to delivered value.</p><p class="mt-3 max-w-[34ch] text-[15px] text-[var(--color-ink-2)]">Five stages, one team. The experts who advise you will deliver for you too.</p><a href="/services" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px] mt-5">All services</a></div><div class="relative grid grid-cols-3 gap-x-6 gap-y-1"><span aria-hidden="true" class="pointer-events-none absolute left-0 top-0 rounded-[4px] bg-[rgba(0,151,169,0.12)]" style="width:0;height:0;transform:translate(0px, 0px);opacity:0;transition:opacity .25s;will-change:transform"></span><span class="col-span-full px-3 pb-1 pt-2 text-[11px] uppercase text-[var(--color-teal-ink)]" style="font-family:var(--font-brand);letter-spacing:0.14em;font-weight:600">The lifecycle</span><a href="/collections-technology-advice" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle cx="12" cy="12" r="9.25"></circle><path class="acc" d="M12 4.5L14.6 12H9.4z"></path><path d="M12 4.5L14.6 12 12 19.5 9.4 12z"></path><path d="M9.4 12h5.2"></path><circle cx="12" cy="12" r="1"></circle></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">01 · Advise</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Work out what you need, and whether to optimize, buy or build.</span></span></a>
1<a href="/collections-technology-procurement" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M14 21H5.5A1.5 1.5 0 0 1 4 19.5v-15A1.5 1.5 0 0 1 5.5 3H13l4 4v3.5"></path><path d="M13 3v4h4"></path><path d="M7.5 11h5M7.5 14.5h3.5"></path><circle class="acc" cx="16.5" cy="16.5" r="3.5"></circle><circle cx="16.5" cy="16.5" r="3.5"></circle><path d="M19 19l2.5 2.5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">02 · Procure</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Choose the right technology from the whole market, at the right price.</span></span></a><a href="/collections-technology-implementation" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5c3 2.4 4.6 5.8 4.6 9.9l-1 4.1H8.4l-1-4.1C7.4 8.3 9 4.9 12 2.5z"></path><path d="M12 2.5c3 2.4 4.6 5.8 4.6 9.9l-1 4.1H8.4l-1-4.1C7.4 8.3 9 4.9 12 2.5z"></path><circle cx="12" cy="9.5" r="1.7"></circle><path d="M8.4 16.5L5.5 19h3.3M15.6 16.5l2.9 2.5h-3.3"></path><path d="M10.4 19.5c0 1.6.7 2.5 1.6 3 .9-.5 1.6-1.4 1.6-3"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">03 · Implement</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Get it live, on a plan the business can trust.</span></span></a><a href="/implementation-rescue" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle cx="12" cy="12" r="9.25"></circle><circle class="acc" cx="12" cy="12" r="4"></circle><circle cx="12" cy="12" r="4"></circle><path d="M5.5 5.5l3.7 3.7M18.5 5.5l-3.7 3.7M5.5 18.5l3.7-3.7M18.5 18.5l-3.7-3.7"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">04 · Rescue</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Get a stalled program moving again, and through to go-live.</span></span></a><a href="/collections-technology-optimisation" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3 18l5.5-5.5 4 3L20 8v10z"></path><path d="M3 18l5.5-5.5 4 3L20 8"></path><path d="M15.5 8H20v4.5"></path><path d="M3 21.5h18"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">05 · Optimize</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Get more from the technology, data and the AI you already own.</span></span></a><span class="col-span-full px-3 pb-1 pt-2 text-[11px] uppercase text-[var(--color-teal-ink)]" style="font-family:var(--font-brand);letter-spacing:0.14em;font-weight:600">Specialist services</span><a href="/collections-ai" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="3"></circle><circle cx="12" cy="12" r="3"></circle><circle cx="4.5" cy="6.5" r="1.8"></circle><circle cx="19.5" cy="6.5" r="1.8"></circle><circle cx="4.5" cy="17.5" r="1.8"></circle><circle cx="19.5" cy="17.5" r="1.8"></circle><path d="M6 7.4l3.6 2.6M18 7.4l-3.6 2.6M6 16.6l3.6-2.6M18 16.6l-3.6-2.6"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">AI solutions</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Identify, select, implement and govern practical AI in regulated settings.</span></span></a><a href="/collections-analytics" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="7.5"></circle><path d="M12 3.5A8.5 8.5 0 1 0 20.5 12H12V3.5z"></path><path d="M12 3.5V12h8.5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Analytics</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Scoring, segmentation and performance insight from your own data.</span></span></a><a href="/collections-platform-managed-services" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M8.5 12.2l2.4 2.4 4.6-4.8"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Managed services</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Run, support and improve your collections technology.</span></span></a></div></div></div></li><li class="flex items-center"><div class="inline-flex items-center gap-1.5 rounded-[2px] px-[13px] py-2 text-[15px] font-medium transition-colors text-white/[0.88] hover:text-white"><a href="/sectors">Sectors</a><button type="button" aria-expanded="false" aria-controls="mega-sectors" aria-label="Sectors menu" class="-my-2 -mr-2 inline-flex h-7 w-5 items-center justify-start"><svg viewBox="0 0 12 12" width="12" height="12" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .25s;transform:none"><path d="M2 4l4 4 4-4"></path></svg></button></div><div id="mega-sectors" role="region" aria-label="Sectors menu" data-open="false" class="mega-panel"><div class="container-content grid grid-cols-[minmax(0,4fr)_minmax(0,8fr)] items-start gap-12 pb-10 pt-9"><div><p class="font-display text-[25px] text-[var(--color-navy)]" style="font-weight:600;letter-spacing:-0.03em;line-height:1.1">Collections and recoveries. It&#x27;s all we do.</p><p class="mt-3 max-w-[34ch] text-[15px] text-[var(--color-ink-2)]">Regulation changes by sector. Our expertise doesn&#x27;t.</p><a href="/sectors" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px] mt-5">All sectors</a></div><div class="relative grid grid-cols-3 gap-x-6 gap-y-1"><span aria-hidden="true" class="pointer-events-none absolute left-0 top-0 rounded-[4px] bg-[rgba(0,151,169,0.12)]" style="width:0;height:0;transform:translate(0px, 0px);opacity:0;transition:opacity .25s;will-change:transform"></span><span class="col-span-full px-3 pb-1 pt-2 text-[11px] uppercase text-[var(--color-teal-ink)]" style="font-family:var(--font-brand);letter-spacing:0.14em;font-weight:600">Financial services</span><a href="/sectors/banking" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Banking</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Consumer Duty and vulnerability, evidenced decision by decision.</span></span></a><a href="/sectors/retail" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="5" width="19" height="14" rx="2"></rect><path class="acc" d="M2.5 8.5h19v3.5h-19z"></path><path d="M2.5 8.5h19M2.5 12h19"></path><rect x="5.5" y="14.5" width="4" height="2"></rect></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Retail</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Cards and digital lending, with collections that work the same in every channel.</span></span></a><a href="/sectors/bnpl" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="3" y="4.5" width="18" height="16.5" rx="1.5"></rect><path class="acc" d="M3 4.5h18V10H3z"></path><path d="M3 10h18M8 2.5v4M16 2.5v4"></path><circle cx="8" cy="15.5" r="1.3"></circle><circle cx="12" cy="15.5" r="1.3"></circle><circle cx="16" cy="15.5" r="1.3"></circle></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Buy Now Pay Later</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Newly regulated. Collections built for a digital-first model.</span></span></a><a href="/sectors/debt-purchase" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v3.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7"></path><path d="M6 17l3.4-3 3 2 5.6-4"></path><path d="M15 12h3v3"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Debt purchase</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Know what a portfolio is worth before you buy it.</span></span></a><a href="/
1sectors/dca-bpo" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 13.5V12a7.5 7.5 0 0 1 15 0v1.5"></path><rect class="acc" x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect class="acc" x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><path d="M18.75 19v.8a2.2 2.2 0 0 1-2.2 2.2H13"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">DCA and BPO</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Win panels, onboard portfolios faster and prove your controls.</span></span></a><span class="col-span-full px-3 pb-1 pt-2 text-[11px] uppercase text-[var(--color-teal-ink)]" style="font-family:var(--font-brand);letter-spacing:0.14em;font-weight:600">Utilities</span><a href="/sectors/energy" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path><path d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Energy</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Rising arrears, affordability and vulnerability, under Ofgem&#x27;s rules.</span></span></a><a href="/sectors/water" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M8.5 14.5a3.5 3.5 0 0 0 3.5 3.5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Water</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Tell hardship from disengagement across household and non-household debt.</span></span></a><span class="col-span-full px-3 pb-1 pt-2 text-[11px] uppercase text-[var(--color-teal-ink)]" style="font-family:var(--font-brand);letter-spacing:0.14em;font-weight:600">Public sector</span><a href="/sectors/central-government" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M4.5 10.5a7.5 7.5 0 0 1 15 0z"></path><path d="M4.5 10.5a7.5 7.5 0 0 1 15 0"></path><path d="M12 3V1.5M3 10.5h18M6 10.5v7.5M10 10.5v7.5M14 10.5v7.5M18 10.5v7.5M3.5 18h17M2.5 21.5h19"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Central government</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Recover more for public services, and treat citizens fairly.</span></span></a><a href="/sectors/local-government" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 11l5.5-5.5 5.5 5.5z"></path><path d="M2.5 11l5.5-5.5 5.5 5.5v9.5h-11z"></path><path d="M13.5 9.5l4-4 4 4v11h-8"></path><path d="M6.5 20.5v-4h3v4M17 13h1.5M17 16.5h1.5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Local government</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Council tax, housing and overpayments, with the whole resident picture.</span></span></a></div></div></div></li><li class="flex items-center"><div class="inline-flex items-center gap-1.5 rounded-[2px] px-[13px] py-2 text-[15px] font-medium transition-colors text-white/[0.88] hover:text-white"><a href="/insights">Insights</a><button type="button" aria-expanded="false" aria-controls="mega-insights" aria-label="Insights menu" class="-my-2 -mr-2 inline-flex h-7 w-5 items-center justify-start"><svg viewBox="0 0 12 12" width="12" height="12" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .25s;transform:none"><path d="M2 4l4 4 4-4"></path></svg></button></div><div id="mega-insights" role="region" aria-label="Insights menu" data-open="false" class="mega-panel"><div class="container-content grid grid-cols-[minmax(0,4fr)_minmax(0,8fr)] items-start gap-12 pb-10 pt-9"><div><p class="font-display text-[25px] text-[var(--color-navy)]" style="font-weight:600;letter-spacing:-0.03em;line-height:1.1">What we&#x27;re thinking about.</p><p class="mt-3 max-w-[34ch] text-[15px] text-[var(--color-ink-2)]">Points of view, research and events, going back to 2014.</p><a href="/insights" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px] mt-5">All insights</a></div><div><div class="flex flex-wrap gap-2 mb-5"><a href="/insights" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy)]/25 bg-transparent text-[var(--color-ink-2)] hover:border-[var(--color-navy)] hover:text-[var(--color-navy)]">All</a><a href="/insights?type=blog" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy)]/25 bg-transparent text-[var(--color-ink-2)] hover:border-[var(--color-navy)] hover:text-[var(--color-navy)]">Blog</a><a href="/insights?type=whitepaper" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy)]/25 bg-transparent text-[var(--color-ink-2)] hover:border-[var(--color-navy)] hover:text-[var(--color-navy)]">Whitepapers</a><a href="/insights?type=event" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy)]/25 bg-transparent text-[var(--color-ink-2)] hover:border-[var(--color-navy)] hover:text-[var(--color-navy)]">Events</a><a href="/insights?type=news" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy)]/25 bg-transparent text-[var(--color-ink-2)] hover:border-[var(--color-navy)] hover:text-[var(--color-navy)]">News</a></div></div></div></div></li><li class="flex items-center"><div class="inline-flex items-center gap-1.5 rounded-[2px] px-[13px] py-2 text-[15px] font-medium transition-colors text-white/[0.88] hover:text-white"><a href="/about">Company</a><button type="button" aria-expanded="false" aria-controls="mega-company" aria-label="Company menu" class="-my-2 -mr-2 inline-flex h-7 w-5 items-center justify-start"><svg viewBox="0 0 12 12" width="12" height="12" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .25s;transform:none"><path d="M2 4l4 4 4-4"></path></svg></button></div><div id="mega-company" role="region" aria-label="Company menu" data-open="false" class="mega-panel"><div class="container-content grid grid-cols-[minmax(0,4fr)_minmax(0,8fr)] items-start gap-12 pb-10 pt-9"><div><p class="font-display text-[25px] text-[var(--color-navy)]" style="font-weight:600;letter-spacing:-0.03em;line-height:1.1">Technology transformation experts. Since 1998.</p><p class="mt-3 max-w-[34ch] text-[15px] text-[var(--color-ink-2)]">
1Offices in London, Atlanta and Sydney. Accredited where it matters.</p><a href="/about" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px] mt-5">About arum</a></div><div class="relative grid grid-cols-3 gap-x-6 gap-y-1"><span aria-hidden="true" class="pointer-events-none absolute left-0 top-0 rounded-[4px] bg-[rgba(0,151,169,0.12)]" style="width:0;height:0;transform:translate(0px, 0px);opacity:0;transition:opacity .25s;will-change:transform"></span><a href="/about" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3.5 21V4h10v17z"></path><path d="M3.5 21V4h10v17M13.5 9.5H20.5V21M2.5 21h19"></path><path d="M6.5 7.5h2M6.5 11h2M6.5 14.5h2M6.5 18h2M16.5 13h1.5M16.5 16.5h1.5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">About</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Independent, specialist, since 1998.</span></span></a><a href="/about/story" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="5"></circle><path d="M3.5 12a8.5 8.5 0 1 0 2.5-6"></path><path d="M3.5 3.5V8h4.5"></path><path d="M12 7.5V12l3 2"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Our story</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">The milestones that built arum over 28 years.</span></span></a><a href="/about/offices" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path><circle cx="12" cy="12" r="9.25"></circle><path d="M2.75 12h18.5"></path><path d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Offices</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Offices in London, Atlanta and Sydney.</span></span></a><a href="/about/accreditations" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="9" r="6"></circle><circle cx="12" cy="9" r="6"></circle><path d="M9.5 9.2l1.7 1.7 3.3-3.4"></path><path d="M8.5 14l-1.5 7.5 5-2.5 5 2.5L15.5 14"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Accreditations</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">ISO 27001, Cyber Essentials Plus, CCS, G-Cloud, RMAI and more.</span></span></a><a href="/people" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="9" cy="8" r="3.5"></circle><circle cx="9" cy="8" r="3.5"></circle><path d="M2.5 20c0-3.6 2.9-6 6.5-6s6.5 2.4 6.5 6"></path><circle cx="17" cy="9.5" r="2.5"></circle><path d="M16 14.5c3 0 5.5 2 5.5 5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">People</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Leadership and how we work.</span></span></a><a href="/people/careers" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v4.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7M2.5 11.5
1h19"></path><path d="M12 10v4"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Careers</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Permanent roles with specialist technology experts.</span></span></a><a href="/people/associates" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="3"></circle><circle cx="12" cy="12" r="3"></circle><circle cx="4.5" cy="6.5" r="1.8"></circle><circle cx="19.5" cy="6.5" r="1.8"></circle><circle cx="4.5" cy="17.5" r="1.8"></circle><circle cx="19.5" cy="17.5" r="1.8"></circle><path d="M6 7.4l3.6 2.6M18 7.4l-3.6 2.6M6 16.6l3.6-2.6M18 16.6l-3.6-2.6"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Associates</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Experienced experts who work with arum.</span></span></a><a href="/contact" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="5" width="19" height="14" rx="2"></rect><path class="acc" d="M2.5 7l9.5 6.5L21.5 7v-.5a1.5 1.5 0 0 0-1.5-1.5H4a1.5 1.5 0 0 0-1.5 1.5z"></path><path d="M2.5 7l9.5 6.5L21.5 7"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Contact</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Talk to our experts.</span></span></a></div></div></div></li><li class="flex items-center"><div class="inline-flex items-center gap-1.5 rounded-[2px] px-[13px] py-2 text-[15px] font-medium transition-colors text-white/[0.88] hover:text-white"><a href="/marketplace">Marketplace</a><button type="button" aria-expanded="false" aria-controls="mega-marketplace" aria-label="Marketplace menu" class="-my-2 -mr-2 inline-flex h-7 w-5 items-center justify-start"><svg viewBox="0 0 12 12" width="12" height="12" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .25s;transform:none"><path d="M2 4l4 4 4-4"></path></svg></button></div><div id="mega-marketplace" role="region" aria-label="Marketplace menu" data-open="false" class="mega-panel"><div class="container-content grid grid-cols-[minmax(0,4fr)_minmax(0,8fr)] items-start gap-12 pb-10 pt-9"><div><p class="font-display text-[25px] text-[var(--color-navy)]" style="font-weight:600;letter-spacing:-0.03em;line-height:1.1">Procurement, simplified.</p><p class="mt-3 max-w-[34ch] text-[15px] text-[var(--color-ink-2)]">The whole market, assessed. Not a preferred list.</p><a href="/marketplace" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px] mt-5">Visit Marketplace</a></div><div class="relative grid grid-cols-3 gap-x-6 gap-y-1"><span aria-hidden="true" class="pointer-events-none absolute left-0 top-0 rounded-[4px] bg-[rgba(0,151,169,0.12)]" style="width:0;height:0;transform:translate(0px, 0px);opacity:0;transition:opacity .25s;will-change:transform"></span><a href="/marketplace" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3 9l1.5-5h15L21 9v1a3 3 0 0 1-6 0 3 3 0 0 1-6 0 3 3 0 0 1-6 0z"></path><path d="M3 9l1.5-5h15L21 9"></path><path d="M3 9v1a3 3 0 0 0 6 0 3 3 0 0 0 6 0 3 3 0 0 0 6 0V9"></path><path d="M5 12.5V20.5h14v-8M10 20.5v-5h4v5"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">Marketplace</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">Approved and accredited systems and servicers</span></span></a><a href="/arum-approved" class="group relative grid grid-cols-[42px_1fr] items-start gap-[14px] rounded-[4px] px-3 py-2.5 focus-visible:outline-offset-0"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:42px;height:42px"><svg viewBox="0 0 24 24" width="23" height="23" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="9" r="6"></circle><circle cx="12" cy="9" r="6"></circle><path d="M9.5 9.2l1.7 1.7 3.3-3.4"></path><path d="M8.5 14l-1.5 7.5 5-2.5 5 2.5L15.5 14"></path></svg></span><span class="block"><b class="block text-[15px] font-semibold text-[var(--color-navy)]">arum approved</b><span class="mt-0.5 block text-[13px] leading-[1.4] text-[var(--color-ink-2)]">arum&#x27;s paid assessment and certification service</span></span></a></div></div></div></li></ul></nav><div class="flex items-center gap-3"><a href="/contact" class="items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 btn-sheen bg-[var(--color-magenta)] text-white hover:bg-[var(--color-magenta-hover)] focus-visible:bg-[var(--color-magenta-hover)] px-[18px] py-[11px] text-[14px] hidden sm:inline-flex">Book a conversation</a><button type="button" aria-label="Open menu" aria-expanded="false" aria-controls="mobile-nav" class="inline-flex items-center gap-2 rounded-[2px] border border-[var(--color-navy-line)] px-3 py-2.5 text-[15px] text-white lg:hidden"><span class="relative block h-3 w-[18px]" aria-hidden="true"><i class="absolute inset-x-0 top-0 h-[1.5px] bg-white"></i><i class="absolute inset-x-0 top-[5px] h-[1.5px] bg-white"></i><i class="absolute inset-x-0 top-[10px] h-[1.5px] bg-white"></i></span>Menu</button></div></div><span aria-hidden="true" class="pointer-events-none absolute left-0 hidden h-[1.5px] rounded-[1px] bg-[var(--color-citron)] lg:block" style="bottom:22px;width:0;transform:translateX(0px);opacity:0;transition:opacity .25s, bottom .3s cubic-bezier(.2,.7,.2,1)"></span></div><div id="mobile-nav" class="mnav lg:hidden" data-open="false" aria-hidden="true" role="dialog" aria-modal="true" aria-label="Site menu"><div class="flex h-[72px] items-center justify-between"><img src="/assets/arum-wordmark-white-CoI_4Ixw.png" alt="arum" width="720" height="153" class="h-auto w-[104px]"/><button type="button" class="rounded-[2px] border border-[var(--color-navy-line)] px-3 py-2.5 text-[15px] text-white">Close</button></div><nav aria-label="Site navigation" class="mt-3"><div class="mnav-grp border-b border-[var(--color-navy-line)]" data-open="false" style="--i:0"><button type="button" aria-expanded="false" aria-controls="mnav-services" class="flex w-full items-center justify-between py-4 text-left font-display text-[31px] text-white" style="font-weight:600;letter-spacing:-0.03em;line-height:1.05">Services<svg viewBox="0 0 18 18" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .35s cubic-bezier(.2,.7,.2,1);transform:none"><path d="M9 3v12M3 9h12"></path></svg></button><div id="mnav-services" class="mnav-panel"><div><a tabindex="-1" href="/collections-technology-advice" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle cx="12" cy="12" r="9.25"></circle><path class="acc" d="M12 4.5L14.6 12H9.4z"></path><path d="M12 4.5L14.6 12 12 19.5 9.4 12z"></path><path d="M9.4 12h5.2"></path><circle cx="12" cy="12" r="1"></circle></svg></span><span>Advise</span></a><a tabindex="-1" href="/collections-technology-procurement" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M14 21H5.5A1.5 1.5 0 0 1 4 19.5v-15A1.5 1.5 0 0 1 5.5 3H13l4 4v3.5"></path><path d="M13 3v4h4"></path><path d="M7.5 11h5M7.5 14.5h3.5"></path><circle class="acc" cx="16.5" cy="16.5" r="3.5"></circle><circle cx="16.5" cy="16.5" r="3.5"></circle><path d="M19 19l2.5 2.5"></path></svg></span><span>Procure</span></a><a tabindex="-1" href="/collections-technology-implementation" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5c3 2.4 4.6 5.8 4.6 9.9l-1 4.1H8.4l-1-4.1C7.4 8.3 9 4.9 12 2.5z"></path><path d="M12 2.5c3 2.4 4.6 5.8 4.6 9.9l-1 4.1H8.4l-1-4.1C7.4 8.3 9 4.9 12 2.5z"></path><circle cx="12" cy="9.5" r="1.7"></circle><path d="M8.4 16.5L5.5 19h3.3M15.6 16.5l2.9 2.5h-3.3"></path><path d="M10.4 19.5c0 1.6.7 2.5 1.6 3 .9-.5 1.6-1.4 1.6-3"></path></svg></span><span>Implement</span></a><a tabindex="-1" href="/implementation-rescue" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle cx="12" cy="12" r="9.25"></circle><circle class="acc" cx="12" cy="12" r="4"></circle><circle cx="12" cy="12" r="4"></circle><path d="M5.5 5.5l3.7 3.7M18.5 5.5l-3.7 3.7M5.5 18.5l3.7-3.7M18.5 18.5l-3.7-3.7"></path></svg></span><span>Rescue</span></a><a tabindex="-1" href="/collections-technology-optimisation" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3 18l5.5-5.5 4 3L20 8v10z"></path><path d="M3 18l5.5-5.5 4 3L20 8"></path><path d="M15.5 8H20v4.5"></path><path d="M3 21.5h18"></path></svg></span><span>Optimize</span></a><a tabindex="-1" href="/collections-ai" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="3"></circle><circle cx="12" cy="12" r="3"></circle><circle cx="4.5" cy="6.5" r="1.8"></circle><circle cx="19.5" cy="6.5" r="1.8"></circle><circle cx="4.5" cy="17.5" r="1.8"></circle><circle cx="19.5" cy="17.5" r="1.8"></circle><path d="M6 7.4l3.6 2.6M18 7.4l-3.6 2.6M6 16.6l3.6-2.6M18 16.6l-3.6-2.6"></path></svg></span><span>AI solutions</span></a><a tabindex="-1" href="/collections-analytics" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="7.5"></circle><path d="M12 3.5A8.5 8.5 0 1 0 20.5 12H12V3.5z"></path><path d="M12 3.5V12h8.5"></path></svg></span><span>Analytics</span></a><a tabindex="-1" href="/collections-platform-managed-services" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true"
1 focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M8.5 12.2l2.4 2.4 4.6-4.8"></path></svg></span><span>Managed services</span></a><a tabindex="-1" href="/services" style="transition-delay:0ms" class="mnav-link inline-flex items-center gap-2 pb-5 pt-2.5 text-[16px] font-semibold text-[var(--color-citron)]">All services<!-- --> <svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div><div class="mnav-grp border-b border-[var(--color-navy-line)]" data-open="false" style="--i:1"><button type="button" aria-expanded="false" aria-controls="mnav-sectors" class="flex w-full items-center justify-between py-4 text-left font-display text-[31px] text-white" style="font-weight:600;letter-spacing:-0.03em;line-height:1.05">Sectors<svg viewBox="0 0 18 18" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .35s cubic-bezier(.2,.7,.2,1);transform:none"><path d="M9 3v12M3 9h12"></path></svg></button><div id="mnav-sectors" class="mnav-panel"><div><a tabindex="-1" href="/sectors/banking" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg></span><span>Banking</span></a><a tabindex="-1" href="/sectors/bnpl" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="3" y="4.5" width="18" height="16.5" rx="1.5"></rect><path class="acc" d="M3 4.5h18V10H3z"></path><path d="M3 10h18M8 2.5v4M16 2.5v4"></path><circle cx="8" cy="15.5" r="1.3"></circle><circle cx="12" cy="15.5" r="1.3"></circle><circle cx="16" cy="15.5" r="1.3"></circle></svg></span><span>Buy Now Pay Later</span></a><a tabindex="-1" href="/sectors/central-government" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M4.5 10.5a7.5 7.5 0 0 1 15 0z"></path><path d="M4.5 10.5a7.5 7.5 0 0 1 15 0"></path><path d="M12 3V1.5M3 10.5h18M6 10.5v7.5M10 10.5v7.5M14 10.5v7.5M18 10.5v7.5M3.5 18h17M2.5 21.5h19"></path></svg></span><span>Central government</span></a><a tabindex="-1" href="/sectors/dca-bpo" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 13.5V12a7.5 7.5 0 0 1 15 0v1.5"></path><rect class="acc" x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect class="acc" x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><path d="M18.75 19v.8a2.2 2.2 0 0 1-2.2 2.2H13"></path></svg></span><span>DCA and BPO</span></a><a tabindex="-1" href="/sectors/debt-purchase" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v3.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7"></path><path d="M6 17l3.4-3 3 2 5.6-4"></path><path d="M15 12h3v3"></path></svg></span><span>Debt purchase</span></a><a tabindex="-1" href="/sectors/energy" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path><path d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path></svg></span><span>Energy</span></a><a tabindex="-1" href="/sectors/local-government" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 11l5.5-5.5 5.5 5.5z"></path><path d="M2.5 11l5.5-5.5 5.5 5.5v9.5h-11z"></path><path d="M13.5 9.5l4-4 4 4v11h-8"></path><path d="M6.5 20.5v-4h3v4M17 13h1.5M17 16.5h1.5"></path></svg></span><span>Local government</span></a><a tabindex="-1" href="/sectors/retail" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="5" width="19" height="14" rx="2"></rect><path class="acc" d="M2.5 8.5h19v3.5h-19z"></path><path d="M2.5 8.5h19M2.5 12h19"></path><rect x="5.5" y="14.5" width="4" height="2"></rect></svg></span><span>Retail</span></a><a tabindex="-1" href="/sectors/water" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M8.5 14.5a3.5 3.5 0 0 0 3.5 3.5"></path></svg></span><span>Water</span></a><a tabindex="-1" href="/sectors" style="transition-delay:0ms" class="mnav-link inline-flex items-center gap-2 pb-5 pt-2.5 text-[16px] font-semibold text-[var(--color-citron)]">All sectors<!-- --> <svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div><div class="mnav-grp border-b border-[var(--color-navy-line)]" data-open="false" style="--i:2"><button type="button" aria-expanded="false" aria-controls="mnav-insights" class="flex w-full items-center justify-between py-4 text-left font-display text-[31px] text-white" style="font-weight:600;letter-spacing:-0.03em;line-height:1.05">Insights<svg viewBox="0 0 18 18" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .35s cubic-bezier(.2,.7,.2,1);transform:none"><path d="M9 3v12M3 9h12"></path></svg></button><div id="mnav-insights" class="mnav-panel"><div><div class="flex flex-wrap gap-2 pb-4 pt-2"><a href="/insights" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy-line)] bg-transparent text-white hover:border-white/60">All</a><a href="/insights?type=blog" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy-line)] bg-transparent text-white hover:border-white/60">Blog</a><a href="/insights?type=whitepaper" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy-line)] bg-transparent text-white hover:border-white/60">Whitepapers</a><a href="/insights?type=event" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy-line)] bg-transparent text-white hover:border-white/60">Events</a><a href="/insights?type=news" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em" class="inline-flex rounded-[2px] border px-4 py-2 text-[12px] uppercase transition-colors border-[var(--color-navy-line)] bg-transparent text-white hover:border-white/60">News</a></div><a tabindex="-1" href="/insights" style="transition-delay:0ms" class="mnav-link inline-flex items-center gap-2 pb-5 pt-2.5 text-[16px] font-semibold text-[var(--color-citron)]">All insights<!-- --> <svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div><div class="mnav-grp border-b border-[var(--color-navy-line)]" data-open="false" style="--i:3"><button type="button" aria-expanded="false" aria-controls="mnav-company" class="flex w-full items-center justify-between py-4 text-left font-display text-[31px] text-white" style="font-weight:600;letter-spacing:-0.03em;line-height:1.05">Company<svg viewBox="0 0 18 18" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .35s cubic-bezier(.2,.7,.2,1);transform:none"><path d="M9 3v12M3 9h12"></path></svg></button><div id="mnav-company" class="mnav-panel"><div><a tabindex="-1" href="/about" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3.5 21V4h10v17z"></path><path d="M3.5 21V4h10v17M13.5 9.5H20.5V21M2.5 21h19"></path><path d="M6.5 7.5h2M6.5 11h2M6.5 14.5h2M6.5 18h2M16.5 13h1.5M16.5 16.5h1.5"></path></svg></span><span>About</span></a><a tabindex="-1" href="/about/story" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="5"></circle><path d="M3.5 12a8.5 8.5 0 1 0 2.5-6"></path><path d="M3.5 3.5V8h4.5"></path><path d="M12 7.5V12l3 2"></path></svg></span><span>Our story</span></a><a tabindex="-1" href="/about/offices" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path><circle cx="12" cy="12" r="9.25"></circle><path d="M2.75 12h18.5"></path><path d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path></svg></span><span>Offices</span></a><a tabindex="-1" href="/about/accreditations" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="9" r="6"></circle><circle cx="12" cy="9" r="6"></circle><path d="M9.5 9.2l1.7 1.7 3.3-3.4"></path><path d="M8.5 14l-1.5 7.5 5-2.5 5 2.5L15.5 14
1"></path></svg></span><span>Accreditations</span></a><a tabindex="-1" href="/people" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="9" cy="8" r="3.5"></circle><circle cx="9" cy="8" r="3.5"></circle><path d="M2.5 20c0-3.6 2.9-6 6.5-6s6.5 2.4 6.5 6"></path><circle cx="17" cy="9.5" r="2.5"></circle><path d="M16 14.5c3 0 5.5 2 5.5 5"></path></svg></span><span>People</span></a><a tabindex="-1" href="/people/careers" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v4.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7M2.5 11.5h19"></path><path d="M12 10v4"></path></svg></span><span>Careers</span></a><a tabindex="-1" href="/people/associates" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="3"></circle><circle cx="12" cy="12" r="3"></circle><circle cx="4.5" cy="6.5" r="1.8"></circle><circle cx="19.5" cy="6.5" r="1.8"></circle><circle cx="4.5" cy="17.5" r="1.8"></circle><circle cx="19.5" cy="17.5" r="1.8"></circle><path d="M6 7.4l3.6 2.6M18 7.4l-3.6 2.6M6 16.6l3.6-2.6M18 16.6l-3.6-2.6"></path></svg></span><span>Associates</span></a><a tabindex="-1" href="/contact" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="5" width="19" height="14" rx="2"></rect><path class="acc" d="M2.5 7l9.5 6.5L21.5 7v-.5a1.5 1.5 0 0 0-1.5-1.5H4a1.5 1.5 0 0 0-1.5 1.5z"></path><path d="M2.5 7l9.5 6.5L21.5 7"></path></svg></span><span>Contact</span></a><a tabindex="-1" href="/about" style="transition-delay:0ms" class="mnav-link inline-flex items-center gap-2 pb-5 pt-2.5 text-[16px] font-semibold text-[var(--color-citron)]">About arum<!-- --> <svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div><div class="mnav-grp border-b border-[var(--color-navy-line)]" data-open="false" style="--i:4"><button type="button" aria-expanded="false" aria-controls="mnav-marketplace" class="flex w-full items-center justify-between py-4 text-left font-display text-[31px] text-white" style="font-weight:600;letter-spacing:-0.03em;line-height:1.05">Marketplace<svg viewBox="0 0 18 18" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.5" aria-hidden="true" style="transition:transform .35s cubic-bezier(.2,.7,.2,1);transform:none"><path d="M9 3v12M3 9h12"></path></svg></button><div id="mnav-marketplace" class="mnav-panel"><div><a tabindex="-1" href="/marketplace" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3 9l1.5-5h15L21 9v1a3 3 0 0 1-6 0 3 3 0 0 1-6 0 3 3 0 0 1-6 0z"></path><path d="M3 9l1.5-5h15L21 9"></path><path d="M3 9v1a3 3 0 0 0 6 0 3 3 0 0 0 6 0 3 3 0 0 0 6 0V9"></path><path d="M5 12.5V20.5h14v-8M10 20.5v-5h4v5"></path></svg></span><span>Marketplace</span></a><a tabindex="-1" href="/arum-approved" style="transition-delay:0ms" class="mnav-link grid grid-cols-[36px_1fr] items-center gap-3 py-2.5 text-[16px] text-white/[0.82]"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:36px;height:36px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="9" r="6"></circle><circle cx="12" cy="9" r="6"></circle><path d="M9.5 9.2l1.7 1.7 3.3-3.4"></path><path d="M8.5 14l-1.5 7.5 5-2.5 5 2.5L15.5 14"></path></svg></span><span>arum approved</span></a><a tabindex="-1" href="/marketplace" style="transition-delay:0ms" class="mnav-link inline-flex items-center gap-2 pb-5 pt-2.5 text-[16px] font-semibold text-[var(--color-citron)]">Visit Marketplace<!-- --> <svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div></nav><div class="mnav-foot mt-7 grid gap-3"><a href="/contact" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 btn-sheen bg-[var(--color-magenta)] text-white hover:bg-[var(--color-magenta-hover)] focus-visible:bg-[var(--color-magenta-hover)] px-[26px] py-[15px] text-[15px] w-full">Book a conversation</a><a href="/contact" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-white/45 bg-transparent text-white hover:bg-white/10 focus-visible:bg-white/10 px-[26px] py-[15px] text-[15px] w-full">General inquiry</a><div class="mt-4 flex flex-wrap items-center justify-between gap-3 text-[14px] text-white/70"><a href="/search" class="inline-flex items-center gap-2 hover:text-white"><svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="10.5" cy="10.5" r="6.5"></circle><circle cx="10.5" cy="10.5" r="6.5"></circle><path d="M15.5 15.5l5 5"></path></svg> <!-- -->Search</a><a href="mailto:[email protected]" class="hover:text-white">[email protected]</a><button type="button" title="Change your region, currently US and Canada" class="inline-flex items-center gap-2 rounded-[999px] border px-3 py-1.5 text-[13px] font-semibold text-white transition-colors hover:bg-white/10 hover:text-white focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-white focus-visible:ring-offset-0 border-white/25" aria-label="Change your region, currently US and Canada" id="radix-_R_1vgba_" aria-haspopup="menu" aria-expanded="false" data-state="closed"><span aria-hidden="true" style="display:inline-block;width:28.5px;height:15px;border-radius:2px;overflow:hidden;flex-shrink:0;box-shadow:0 0 0 1px rgba(15,31,54,0.16);line-height:0"><svg viewBox="0 0 60 30" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" focusable="false"><rect x="0" y="0" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="2.3076923076923075" width="60" height="2.3076923076923075" fill="#fff"></rect><rect x="0" y="4.615384615384615" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="6.9230769230769225" width="60" height="2.3076923076923075" fill="#fff"></rect><rect x="0" y="9.23076923076923" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="11.538461538461537" width="60" height="2.3076923076923075" fill="#fff"></rect><rect x="0" y="13.846153846153845" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="16.153846153846153" width="60" height="2.3076923076923075" fill="#fff"></rect><rect x="0" y="18.46153846153846" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="20.769230769230766" width="60" height="2.3076923076923075" fill="#fff"></rect><rect x="0" y="23.076923076923073" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="25.384615384615383" width="60" height="2.3076923076923075" fill="#fff"></rect><rect x="0" y="27.69230769230769" width="60" height="2.3076923076923075" fill="#B22234"></rect><rect x="0" y="0" width="24" height="16.153846153846153" fill="#3C3B6E"></rect></svg></span><span>US / CA</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-3.5 w-3.5 text-white" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div></div></div></header><main id="main"><!--$--><!--$--><section class="hero-v3 relative isolate overflow-hidden"><canvas aria-hidden="true" class="pointer-events-none absolute inset-0 h-full w-full"></canvas><div aria-hidden="true" class="hero-v3-grain"></div><div class="container-content relative" style="padding-block:clamp(32px, 3.2vw, 48px) clamp(32px, 3vw, 44px)"><div class="grid grid-cols-1 items-center gap-10 min-[1000px]:grid-cols-[minmax(0,7fr)_minmax(0,5fr)] min-[1000px]:gap-16"><div class="flex flex-col gap-5"><div><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-citron)">Collections and recoveries. Technology, AI and data.</span></div><h1 class="font-display v2-hero-headline" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:#FFFFFF;font-size:calc(clamp(46px, 6.2vw, 84px) * 0.9);
1max-width:17ch"><span class="hl-line1"><span class="hl-w" style="--i:0">Technology</span> <span class="hl-w" style="--i:1">is</span> <span class="hl-w" style="--i:2">the</span> <span class="hl-w" style="--i:3">investment.</span></span><span class="hl-line2"><span class="hl-text">We&#x27;re the return.</span></span></h1><div><p style="color:rgba(255,255,255,0.8);font-size:20px;line-height:1.5;font-weight:400;max-width:46ch;font-family:var(--font-sans);letter-spacing:0">For 28 years, we&#x27;ve helped banks, governments and the world&#x27;s largest brands realize the full value of technology, AI and data across collections and recoveries.</p></div><div><div class="flex flex-wrap items-center gap-3"><a href="/contact" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 btn-sheen bg-[var(--color-magenta)] text-white hover:bg-[var(--color-magenta-hover)] focus-visible:bg-[var(--color-magenta-hover)] px-[26px] py-[15px] text-[15px]">Book a conversation</a><a href="#client-work" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-white/45 bg-transparent text-white hover:bg-white/10 focus-visible:bg-white/10 px-[26px] py-[15px] text-[15px]">See client work</a></div></div></div><div><figure class="hero-testimonials relative border-l-2 pl-[26px]" style="border-color:var(--color-teal)" aria-roledescription="carousel" aria-label="What our clients say"><div class="grid" aria-live="polite"><div class="col-start-1 row-start-1 flex flex-col justify-center gap-5" style="opacity:1;transform:none;transition:opacity .8s cubic-bezier(.2,.7,.2,1) .2s, transform .8s cubic-bezier(.2,.7,.2,1) .2s;pointer-events:auto"><div class="flex h-[40px] items-center"><img src="/assets/logos/lloyds.webp" alt="Lloyds Banking Group" width="234" height="112" style="height:38px;width:auto;filter:brightness(0) invert(1);opacity:0.94"/></div><blockquote class="hero-quote">“A solution the business can use with confidence, making a difference to the lives of our customers experiencing difficulties.”</blockquote><figcaption class="text-[13.5px]" style="color:rgba(255,255,255,0.62)">Programme Director, Breathing Space, Lloyds Banking Group</figcaption></div><div class="col-start-1 row-start-1 flex flex-col justify-center gap-5" style="opacity:0;transform:translateY(10px);transition:opacity .35s ease, transform .35s ease;pointer-events:none" aria-hidden="true"><div class="flex h-[40px] items-center"><img src="/assets/logos/bank-of-ireland-uk.svg" alt="Bank of Ireland UK" width="440" height="464" style="height:56px;width:auto;filter:brightness(0) invert(1);opacity:0.94"/></div><blockquote class="hero-quote">“The arum team formed a fundamental part of the programme team and provided support and key expertise which benefited the business throughout the programme, hence the number of contract extensions.”</blockquote><figcaption class="text-[13.5px]" style="color:rgba(255,255,255,0.62)">Joanne Le Roy, Programme Lead CLS UK, Bank of Ireland</figcaption></div><div class="col-start-1 row-start-1 flex flex-col justify-center gap-5" style="opacity:0;transform:translateY(10px);transition:opacity .35s ease, transform .35s ease;pointer-events:none" aria-hidden="true"><div class="flex h-[40px] items-center"><img src="/assets/logos/british-gas.webp" alt="British Gas" width="144" height="56" style="height:30px;width:auto;filter:brightness(0) invert(1);opacity:0.94"/></div><blockquote class="hero-quote">“Innovative ways to treat customers, and segmentation to personalise treatments.”</blockquote><figcaption class="text-[13.5px]" style="color:rgba(255,255,255,0.62)">Noor Hussain, Credit Risk Manager, British Gas</figcaption></div><div class="col-start-1 row-start-1 flex flex-col justify-center gap-5" style="opacity:0;transform:translateY(10px);transition:opacity .35s ease, transform .35s ease;pointer-events:none" aria-hidden="true"><div class="flex h-[40px] items-center"><img src="/assets/logos/bnz.webp?v=2" alt="BNZ" style="height:30px;width:auto;filter:brightness(0) invert(1);opacity:0.94"/></div><blockquote class="hero-quote">“The arum team helped us navigate an interesting RFP process, and in doing so opened our minds to doing things differently.”</blockquote><figcaption class="text-[13.5px]" style="color:rgba(255,255,255,0.62)">Head of Planning and Initiatives, BNZ</figcaption></div><div class="col-start-1 row-start-1 flex flex-col justify-center gap-5" style="opacity:0;transform:translateY(10px);transition:opacity .35s ease, transform .35s ease;pointer-events:none" aria-hidden="true"><div class="flex h-[40px] items-center"><span class="inline-flex items-center gap-2.5 text-white/85"><span aria-hidden="true" class="inline-flex h-9 w-9 items-center justify-center rounded-full" style="border:1px solid rgba(255,255,255,0.28)"><svg viewBox="0 0 24 24" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg></span><span class="text-[11.5px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">US consumer financial services</span></span></div><blockquote class="hero-quote">“The team is amazing. They have helped us in so many ways. Technical, logistical, project management.”</blockquote><figcaption class="text-[13.5px]" style="color:rgba(255,255,255,0.62)">Vice President, consumer financial services company, United States</figcaption></div><div class="col-start-1 row-start-1 flex flex-col justify-center gap-5" style="opacity:0;transform:translateY(10px);transition:opacity .35s ease, transform .35s ease;pointer-events:none" aria-hidden="true"><div class="flex h-[40px] items-center"><span class="inline-flex items-center gap-2.5 text-white/85"><span aria-hidden="true" class="inline-flex h-9 w-9 items-center justify-center rounded-full" style="border:1px solid rgba(255,255,255,0.28)"><svg viewBox="0 0 24 24" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg></span><span class="text-[11.5px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">APAC banking group</span></span></div><blockquote class="hero-quote">“arum are great to work with, they are proactive, responsive, knowledgeable, flexible and friendly.”</blockquote><figcaption class="text-[13.5px]" style="color:rgba(255,255,255,0.62)">Senior Manager, multinational banking and financial services company, APAC</figcaption></div></div><div class="mt-5 flex items-center gap-1"><div class="flex items-center gap-1" role="tablist" aria-label="Cho
1ose a testimonial"><button type="button" role="tab" aria-selected="true" aria-label="Show testimonial 1 of 6" class="testimonial-bar group"><span class="testimonial-bar-track"><span aria-hidden="true" class="testimonial-bar-fill" style="width:100%;transition:width 8000ms linear"></span></span></button><button type="button" role="tab" aria-selected="false" aria-label="Show testimonial 2 of 6" class="testimonial-bar group"><span class="testimonial-bar-track"><span aria-hidden="true" class="testimonial-bar-fill" style="width:0%;transition:none"></span></span></button><button type="button" role="tab" aria-selected="false" aria-label="Show testimonial 3 of 6" class="testimonial-bar group"><span class="testimonial-bar-track"><span aria-hidden="true" class="testimonial-bar-fill" style="width:0%;transition:none"></span></span></button><button type="button" role="tab" aria-selected="false" aria-label="Show testimonial 4 of 6" class="testimonial-bar group"><span class="testimonial-bar-track"><span aria-hidden="true" class="testimonial-bar-fill" style="width:0%;transition:none"></span></span></button><button type="button" role="tab" aria-selected="false" aria-label="Show testimonial 5 of 6" class="testimonial-bar group"><span class="testimonial-bar-track"><span aria-hidden="true" class="testimonial-bar-fill" style="width:0%;transition:none"></span></span></button><button type="button" role="tab" aria-selected="false" aria-label="Show testimonial 6 of 6" class="testimonial-bar group"><span class="testimonial-bar-track"><span aria-hidden="true" class="testimonial-bar-fill" style="width:0%;transition:none"></span></span></button></div><button type="button" aria-pressed="false" aria-label="Pause testimonials" class="ml-2 inline-flex h-6 w-6 items-center justify-center rounded-[2px] text-white/70 transition-colors hover:text-white focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-[var(--color-citron)]"><svg viewBox="0 0 12 12" width="11" height="11" fill="currentColor" aria-hidden="true"><path d="M3 2h2.2v8H3zM6.8 2H9v8H6.8z"></path></svg></button></div></figure></div></div><div><div class="mt-10 flex flex-col gap-3 border-t pt-6" style="border-color:rgba(255,255,255,0.14)"><span class="text-[11px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:rgba(255,255,255,0.5)">Trusted &amp; Accredited</span><div class="relative overflow-hidden [cursor:ew-resize]" style="mask-image:linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);-webkit-mask-image:linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);min-height:56px"><div class="flex w-max items-center will-change-transform"><div class="flex items-center"><div class="flex items-center gap-[32px] pr-[32px] min-[640px]:gap-[48px] min-[640px]:pr-[48px] min-[1024px]:gap-[64px] min-[1024px]:pr-[64px]"><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/synchrony.webp?v=2" alt="Synchrony" width="110" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/cbe-group.webp" alt="CBE Group" width="103" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/accreditations/iso-27001.png" alt="ISO 27001" width="43" height="44" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:44px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/hsbc.webp" alt="HSBC" width="111" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/natwest.webp" alt="NatWest" width="119" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/accreditations/cyber-essentials.png" alt="Cyber Essentials Plus" width="36" height="44" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:44px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/tesco-bank.webp" alt="Tesco Bank" width="164" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/dwp.webp" alt="Department for Work and Pensions" width="36" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/accreditations/crown-commercial-service.png" alt="Crown Commercial Service supplier" width="58" height="44" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:44px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/british-gas.webp" alt="British Gas" width="7
17" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/experian.webp" alt="Experian" width="91" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/accreditations/g-cloud.png" alt="HM Government G-Cloud supplier" width="147" height="44" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:44px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/lloyds.webp" alt="Lloyds Banking Group" width="80" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/engie.png" alt="Engie UK" width="75" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/accreditations/rmai.png" alt="RMAI member" width="120" height="44" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:44px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/westpac.webp" alt="Westpac" width="151" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/bnz.webp?v=2" alt="BNZ" width="62" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/accreditations/hellios-fsqs.png" alt="Hellios FSQS registered" width="36" height="44" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:44px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/ing.webp?v=2" alt="ING" width="71" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span><span class="group flex shrink-0 items-center justify-center" style="height:56px"><img src="/assets/logos/bank-of-ireland-uk.svg" alt="Bank of Ireland" width="107" height="30" decoding="async" class="w-auto object-contain opacity-[0.94] transition-[opacity,transform] duration-200 [@media(hover:hover)]:group-hover:-translate-y-[2px] [@media(hover:hover)]:group-hover:opacity-100" style="height:30px;filter:brightness(0) invert(1)"/></span></div></div></div></div></div></div></div></section><section style="background-color:#FFFFFF;padding-block:32px;border-bottom:1px solid var(--color-line)"><div class="container-content grid grid-cols-2 gap-8 lg:grid-cols-4"><div class="flex flex-col gap-3"><span aria-hidden="true" class="relative block h-px w-full" style="background-color:var(--color-line)"><span class="absolute inset-y-0 left-0 block" style="background-color:var(--color-teal);width:0%;transition:width 1.2s cubic-bezier(.2,.7,.2,1)"></span></span><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(52px * 0.9)"><span>500+</span></span><span class="flex flex-col gap-1"><span class="text-[14px] font-semibold" style="color:var(--color-ink)">Projects delivered</span><span class="text-[13px]" style="color:var(--color-ink-3)">For banks, governments and major brands</span></span></div><div class="flex flex-col gap-3"><span aria-hidden="true" class="relative block h-px w-full" style="background-color:var(--color-line)"><span class="absolute inset-y-0 left-0 block" style="background-color:var(--color-teal);width:0%;transition:width 1.2s cubic-bezier(.2,.7,.2,1)"></span></span><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(52px * 0.9)"><span>23</span></span><span class="flex flex-col gap-1"><span class="text-[14px] font-semibold" style="color:var(--color-ink)">
1Countries worked in</span><span class="text-[13px]" style="color:var(--color-ink-3)">Across Europe, the Americas and Asia Pacific</span></span></div><div class="flex flex-col gap-3"><span aria-hidden="true" class="relative block h-px w-full" style="background-color:var(--color-line)"><span class="absolute inset-y-0 left-0 block" style="background-color:var(--color-teal);width:0%;transition:width 1.2s cubic-bezier(.2,.7,.2,1)"></span></span><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(52px * 0.9)"><span>3</span></span><span class="flex flex-col gap-1"><span class="text-[14px] font-semibold" style="color:var(--color-ink)">Offices on three continents</span></span></div><div class="flex flex-col gap-3"><span aria-hidden="true" class="relative block h-px w-full" style="background-color:var(--color-line)"><span class="absolute inset-y-0 left-0 block" style="background-color:var(--color-teal);width:0%;transition:width 1.2s cubic-bezier(.2,.7,.2,1)"></span></span><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(52px * 0.9)"><span>191</span></span><span class="flex flex-col gap-1"><span class="text-[14px] font-semibold" style="color:var(--color-ink)">Vendors on Marketplace by arum</span><span class="text-[13px]" style="color:var(--color-ink-3)">So you can see the whole market in one place</span></span></div></div></section><section class="relative overflow-hidden" style="background-color:var(--color-paper)"><div class="container-content relative grid grid-cols-1 gap-10 min-[1000px]:grid-cols-[minmax(0,5fr)_minmax(0,7fr)] min-[1000px]:gap-16" style="padding-block:var(--space-band)"><div class="v2-reveal min-[1000px]:sticky min-[1000px]:top-[110px] min-[1000px]:self-start"><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">Where we come in</span><h2 class="mt-3.5 max-w-[18ch] font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(clamp(34px, 4vw, 52px) * 0.9)">Technology is the answer, when the decisions around it are right.</h2><p class="mt-5 text-[17px] leading-[1.6]" style="color:var(--color-ink-2)">Clients usually call us at one of four moments.</p></div><div class="v2-reveal flex flex-col border-b" style="border-color:var(--color-line)"><div class="border-t" style="border-color:var(--color-line)"><button type="button" aria-expanded="true" aria-controls="faq-panel-0" class="flex w-full items-start justify-between gap-6 py-6 text-left"><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1.2;color:var(--color-navy);font-size:calc(24px * 0.9)">We need new technology. But what do we buy?</span><span aria-hidden="true" class="inline-flex h-8 w-8 shrink-0 items-center justify-center rounded-full" style="background-color:var(--color-teal-wash);border:1px solid var(--color-line);color:var(--color-navy);transform:rotate(45deg);transition:transform .3s cubic-bezier(.2,.7,.2,1)"><svg viewBox="0 0 18 18" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.5"><path d="M9 3v12M3 9h12"></path></svg></span></button><div id="faq-panel-0" class="flex flex-col gap-4 pb-7"><p class="text-[16px]" style="color:var(--color-ink-2)">You need new technology. You&#x27;re not sure of the requirements, what the market offers or what a fair price looks like.</p><p class="text-[17px]" style="color:var(--color-ink)"><span class="font-semibold">How we help:</span> <!-- -->We define what you need, assess the whole market, run the selection and negotiate the price and contract terms.</p><a href="/collections-technology-procurement" style="color:var(--color-teal-ink);font-family:var(--font-brand)" class="group inline-flex items-center gap-2 text-[15px] font-semibold"><span>How arum helps</span><svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div><div class="border-t" style="border-color:var(--color-line)"><button type="button" aria-expanded="false" aria-controls="faq-panel-1" class="flex w-full items-start justify-between gap-6 py-6 text-left"><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1.2;color:var(--color-navy);font-size:calc(24px * 0.9)">We&#x27;ve bought the technology. Why can&#x27;t we get it live?</span><span aria-hidden="true" class="inline-flex h-8 w-8 shrink-0 items-center justify-center rounded-full" style="background-color:#FFFFFF;border:1px solid var(--color-line);color:var(--color-navy);transform:none;transition:transform .3s cubic-bezier(.2,.7,.2,1)"><svg viewBox="0 0 18 18" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.5"><path d="M9 3v12M3 9h12"></path></svg></span></button><div id="faq-panel-1" hidden="" inert="" class="flex flex-col gap-4 pb-7"><p class="text-[16px]" style="color:var(--color-ink-2)">The go-live date keeps moving. The vendor, the partner and your own team each have a different explanation.</p><p class="text-[17px]" style="color:var(--color-ink)"><span class="font-semibold">How we help:</span> <!-- -->We find what&#x27;s really wrong, reset the plan and add the people you&#x27;re missing, or take on delivery ourselves.</p><a href="/implementation-rescue" style="color:var(--color-teal-ink);font-family:var(--font-brand)" class="group inline-flex items-center gap-2 text-[15px] font-semibold"><span>How arum helps</span><svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div><div class="border-t" style="border-color:var(--color-line)"><button type="button" aria-expanded="false" aria-controls="faq-panel-2" class="flex w-full items-start justify-between gap-6 py-6 text-left"><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1.2;color:var(--color-navy);font-size:calc(24px * 0.9)">We&#x27;ve gone live. Where&#x27;s the value?</span><span aria-hidden="true" class="inline-flex h-8 w-8 shrink-0 items-center justify-center rounded-full" style="background-color:#FFFFFF;border:1px solid var(--color-line);color:var(--color-navy);transform:none;transition:transform .3s cubic-bezier(.2,.7,.2,1)"><svg viewBox="0 0 18 18" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.5"><path d="M9 3v12M3 9h12"></path></svg></span></button><div id="faq-panel-2" hidden="" inert="" class="flex flex-col gap-4 pb-7"><p class="text-[16px]" style="color:var(--color-ink-2)">Go-live was months ago. The benefits in the business case still haven&#x27;
1t shown up.</p><p class="text-[17px]" style="color:var(--color-ink)"><span class="font-semibold">How we help:</span> <!-- -->We find what&#x27;s holding performance back and fix it, across the platform, the data and the operation around them.</p><a href="/collections-technology-optimisation" style="color:var(--color-teal-ink);font-family:var(--font-brand)" class="group inline-flex items-center gap-2 text-[15px] font-semibold"><span>How arum helps</span><svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div><div class="border-t" style="border-color:var(--color-line)"><button type="button" aria-expanded="false" aria-controls="faq-panel-3" class="flex w-full items-start justify-between gap-6 py-6 text-left"><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1.2;color:var(--color-navy);font-size:calc(24px * 0.9)">We know AI matters. But where do we start?</span><span aria-hidden="true" class="inline-flex h-8 w-8 shrink-0 items-center justify-center rounded-full" style="background-color:#FFFFFF;border:1px solid var(--color-line);color:var(--color-navy);transform:none;transition:transform .3s cubic-bezier(.2,.7,.2,1)"><svg viewBox="0 0 18 18" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.5"><path d="M9 3v12M3 9h12"></path></svg></span></button><div id="faq-panel-3" hidden="" inert="" class="flex flex-col gap-4 pb-7"><p class="text-[16px]" style="color:var(--color-ink-2)">You know you need to use AI. You&#x27;re not sure where it will add value, or how to manage the risk of getting it wrong.</p><p class="text-[17px]" style="color:var(--color-ink)"><span class="font-semibold">How we help:</span> <!-- -->We help you pick the few uses that will work, choose the right partner and build the controls to go live safely.</p><a href="/collections-ai" style="color:var(--color-teal-ink);font-family:var(--font-brand)" class="group inline-flex items-center gap-2 text-[15px] font-semibold"><span>How arum helps</span><svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div></div></section><section class="relative overflow-hidden bg-white"><div aria-hidden="true" data-tone="light" class="rings" style="--rings-x:100%;--rings-y:0%"></div><div class="container-content relative grid grid-cols-1 items-start gap-12 min-[1000px]:grid-cols-[minmax(0,1fr)_380px] min-[1000px]:gap-[72px]" style="padding-block:var(--space-band)"><div class="flex min-w-0 flex-col gap-12"><div id="what-we-do" class="flex flex-col"><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">What we do</span><h2 class="mt-3.5 max-w-[20ch] font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(clamp(34px, 4vw, 52px) * 0.9)">From technology decision to delivered value.</h2><div class="mt-6 flex flex-col gap-6 md:flex-row md:items-end md:justify-between md:gap-10"><p class="max-w-[44ch] text-[17px] leading-[1.55]" style="color:var(--color-ink-2)">Five stages, one team. The experts who advise you will deliver for you too.</p><div class="flex shrink-0 flex-wrap items-center gap-3"><a href="/collections-technology-advice" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px]">Start with Advise</a><a href="/contact" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 btn-sheen bg-[var(--color-magenta)] text-white hover:bg-[var(--color-magenta-hover)] focus-visible:bg-[var(--color-magenta-hover)] px-[18px] py-[11px] text-[14px]">Talk to an expert</a></div></div><ol class="lifecycle mt-10"><li><a href="/collections-technology-advice" class="lifecycle-row group"><span aria-hidden="true" class="lifecycle-rule"></span><span class="lifecycle-disc"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle cx="12" cy="12" r="9.25"></circle><path class="acc" d="M12 4.5L14.6 12H9.4z"></path><path d="M12 4.5L14.6 12 12 19.5 9.4 12z"></path><path d="M9.4 12h5.2"></path><circle cx="12" cy="12" r="1"></circle></svg></span></span><span class="flex flex-col gap-1"><span class="text-[11.5px]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">01</span><span class="font-display transition-colors group-hover:text-[var(--color-teal-ink)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(28px * 0.9)">Advise</span></span><span class="lifecycle-body text-[16px] leading-[1.55]" style="color:var(--color-ink-2)">Work out what you need, and whether to optimise, buy or build.</span><span aria-hidden="true" class="hidden text-[var(--color-ink-3)] transition-[color,transform] duration-300 group-hover:translate-x-1 group-hover:text-[var(--color-teal-ink)] md:block"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a></li><li>
1<a href="/collections-technology-procurement" class="lifecycle-row group"><span aria-hidden="true" class="lifecycle-rule"></span><span class="lifecycle-disc"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M14 21H5.5A1.5 1.5 0 0 1 4 19.5v-15A1.5 1.5 0 0 1 5.5 3H13l4 4v3.5"></path><path d="M13 3v4h4"></path><path d="M7.5 11h5M7.5 14.5h3.5"></path><circle class="acc" cx="16.5" cy="16.5" r="3.5"></circle><circle cx="16.5" cy="16.5" r="3.5"></circle><path d="M19 19l2.5 2.5"></path></svg></span></span><span class="flex flex-col gap-1"><span class="text-[11.5px]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">02</span><span class="font-display transition-colors group-hover:text-[var(--color-teal-ink)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(28px * 0.9)">Procure</span></span><span class="lifecycle-body text-[16px] leading-[1.55]" style="color:var(--color-ink-2)">Choose the right technology from the whole market, at the right price.</span><span aria-hidden="true" class="hidden text-[var(--color-ink-3)] transition-[color,transform] duration-300 group-hover:translate-x-1 group-hover:text-[var(--color-teal-ink)] md:block"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a></li><li><a href="/collections-technology-implementation" class="lifecycle-row group"><span aria-hidden="true" class="lifecycle-rule"></span><span class="lifecycle-disc"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5c3 2.4 4.6 5.8 4.6 9.9l-1 4.1H8.4l-1-4.1C7.4 8.3 9 4.9 12 2.5z"></path><path d="M12 2.5c3 2.4 4.6 5.8 4.6 9.9l-1 4.1H8.4l-1-4.1C7.4 8.3 9 4.9 12 2.5z"></path><circle cx="12" cy="9.5" r="1.7"></circle><path d="M8.4 16.5L5.5 19h3.3M15.6 16.5l2.9 2.5h-3.3"></path><path d="M10.4 19.5c0 1.6.7 2.5 1.6 3 .9-.5 1.6-1.4 1.6-3"></path></svg></span></span><span class="flex flex-col gap-1"><span class="text-[11.5px]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">03</span><span class="font-display transition-colors group-hover:text-[var(--color-teal-ink)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(28px * 0.9)">Implement</span></span><span class="lifecycle-body text-[16px] leading-[1.55]" style="color:var(--color-ink-2)">Get it live, on a plan the business can trust.</span><span aria-hidden="true" class="hidden text-[var(--color-ink-3)] transition-[color,transform] duration-300 group-hover:translate-x-1 group-hover:text-[var(--color-teal-ink)] md:block"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a></li><li><a href="/implementation-rescue" class="lifecycle-row group"><span aria-hidden="true" class="lifecycle-rule"></span><span class="lifecycle-disc"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle cx="12" cy="12" r="9.25"></circle><circle class="acc" cx="12" cy="12" r="4"></circle><circle cx="12" cy="12" r="4"></circle><path d="M5.5 5.5l3.7 3.7M18.5 5.5l-3.7 3.7M5.5 18.5l3.7-3.7M18.5 18.5l-3.7-3.7"></path></svg></span></span><span class="flex flex-col gap-1"><span class="text-[11.5px]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">04</span><span class="font-display transition-colors group-hover:text-[var(--color-teal-ink)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(28px * 0.9)">Rescue</span></span><span class="lifecycle-body text-[16px] leading-[1.55]" style="color:var(--color-ink-2)">Get a stalled programme moving again, and through to go-live.</span><span aria-hidden="true" class="hidden text-[var(--color-ink-3)] transition-[color,transform] duration-300 group-hover:translate-x-1 group-hover:text-[var(--color-teal-ink)] md:block"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a></li><li><a href="/collections-technology-optimisation" class="lifecycle-row group"><span aria-hidden="true" class="lifecycle-rule"></span><span class="lifecycle-disc"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M3 18l5.5-5.5 4 3L20 8v10z"></path><path d="M3 18l5.5-5.5 4 3L20 8"></path><path d="M15.5 8H20v4.5"></path><path d="M3 21.5h18"></path></svg></span></span><span class="flex flex-col gap-1"><span class="text-[11.5px]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">05</span><span class="font-display transition-colors group-hover:text-[var(--color-teal-ink)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(28px * 0.9)">Optimise</span></span><span class="lifecycle-body text-[16px] leading-[1.55]" style="color:var(--color-ink-2)">Get more from the technology, data and the AI you already own.</span><span aria-hidden="true" class="hidden text-[var(--color-ink-3)] transition-[color,transform] duration-300 group-hover:translate-x-1 group-hover:text-[var(--color-teal-ink)] md:block"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a></li></ol><div class="mt-9 border-t border-[var(--color-line)] pt-7"><p class="text-[11px] font-semibold uppercase tracking-[0.14em] text-[var(--color-teal-ink)]">Specialist services</p><div class="mt-4 grid gap-3 md:grid-cols-3"><a href="/collections-ai" class="group grid min-h-[112px] grid-cols-[34px_1fr_18px] items-start gap-3 border border-[var(--color-line)] bg-white p-4 focus-compass"><span class="grid h-[34px] w-[34px] place-items-center rounded-full bg-[var(--color-teal-wash)] text-[var(--color-navy)] transition-colors group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)]"><svg viewBox="0 0 24 24" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="3"></circle><circle cx="12" cy="12" r="3"></circle><circle cx="4.5" cy="6.5" r="1.8"></circle><circle cx="19.5" cy="6.5" r="1.8"></circle><circle cx="4.5" cy="17.5" r="1.8"></circle><circle cx="19.5" cy="17.5" r="1.8"></circle><path d="M6 7.4l3.6 2.6M18 7.4l-3.6 2.6M6 16.6l3.6-2.6M18 16.6l-3.6-2.6"></path></svg></span><span><span class="block text-[16px] font-semibold text-[var(--color-navy)]">AI solutions</span><span class="mt-1 block text-[14px] leading-[1.45] text-[var(--color-ink-2)]">Prepare, select, implement and govern practical AI in collections.
1</span></span><svg viewBox="0 0 24 24" width="17" height="17" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-1 text-[var(--color-ink-3)] transition-colors group-hover:text-[var(--color-teal-ink)]"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a><a href="/collections-analytics" class="group grid min-h-[112px] grid-cols-[34px_1fr_18px] items-start gap-3 border border-[var(--color-line)] bg-white p-4 focus-compass"><span class="grid h-[34px] w-[34px] place-items-center rounded-full bg-[var(--color-teal-wash)] text-[var(--color-navy)] transition-colors group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)]"><svg viewBox="0 0 24 24" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><circle class="acc" cx="12" cy="12" r="7.5"></circle><path d="M12 3.5A8.5 8.5 0 1 0 20.5 12H12V3.5z"></path><path d="M12 3.5V12h8.5"></path></svg></span><span><span class="block text-[16px] font-semibold text-[var(--color-navy)]">Analytics</span><span class="mt-1 block text-[14px] leading-[1.45] text-[var(--color-ink-2)]">Use scoring, segmentation and insight to improve outcomes.</span></span><svg viewBox="0 0 24 24" width="17" height="17" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-1 text-[var(--color-ink-3)] transition-colors group-hover:text-[var(--color-teal-ink)]"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a><a href="/collections-platform-managed-services" class="group grid min-h-[112px] grid-cols-[34px_1fr_18px] items-start gap-3 border border-[var(--color-line)] bg-white p-4 focus-compass"><span class="grid h-[34px] w-[34px] place-items-center rounded-full bg-[var(--color-teal-wash)] text-[var(--color-navy)] transition-colors group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)]"><svg viewBox="0 0 24 24" width="18" height="18" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M8.5 12.2l2.4 2.4 4.6-4.8"></path></svg></span><span><span class="block text-[16px] font-semibold text-[var(--color-navy)]">Managed services</span><span class="mt-1 block text-[14px] leading-[1.45] text-[var(--color-ink-2)]">Run and improve your collections technology with a specialist team.</span></span><svg viewBox="0 0 24 24" width="17" height="17" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-1 text-[var(--color-ink-3)] transition-colors group-hover:text-[var(--color-teal-ink)]"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div><div class="relative mt-10 flex flex-col gap-5 overflow-hidden p-7 md:flex-row md:items-center md:justify-between md:gap-10 md:p-8" style="background-color:var(--color-navy)"><div aria-hidden="true" data-tone="dark" class="rings" style="--rings-x:100%;--rings-y:100%"></div><div class="relative flex flex-col gap-2.5"><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-citron)">Talk to arum</span><p class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.12;color:#FFFFFF;font-size:calc(28px * 0.9)">Thirty minutes with one of our senior experts.</p><p class="text-[16px] leading-[1.55]" style="color:rgba(255,255,255,0.78)">Bring the decision you&#x27;re facing. We&#x27;ll tell you what we&#x27;d do, whether or not that involves us.</p></div><a href="/contact" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 btn-sheen bg-[var(--color-magenta)] text-white hover:bg-[var(--color-magenta-hover)] focus-visible:bg-[var(--color-magenta-hover)] px-[18px] py-[11px] text-[14px] relative shrink-0">Book a conversation</a></div></div><div id="sectors" class="min-w-0 scroll-mt-24"><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">Sector expertise</span><h2 class="mt-3.5 max-w-[20ch] font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;color:var(--color-navy);font-size:calc(clamp(34px, 4vw, 52px) * 0.9)">Collections and recoveries. It&#x27;s all we do.</h2><div class="mt-6 flex flex-col gap-6 md:flex-row md:items-end md:justify-between md:gap-10"><p class="max-w-[44ch] text-[17px] leading-[1.55] text-[var(--color-ink-2)]">Regulation changes by sector. Our expertise doesn&#x27;t.</p><div class="flex shrink-0 flex-wrap items-center gap-3"><a href="/contact" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px]">Talk to a sector specialist</a></div></div><div class="mt-10 grid grid-cols-1 border-l border-t border-[var(--color-line)] min-[640px]:grid-cols-2"><a href="/sectors/banking" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]">
1<span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Banking</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Consumer Duty and vulnerability, evidenced decision by decision.</span></a><a href="/sectors/dca-bpo" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]"><span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 13.5V12a7.5 7.5 0 0 1 15 0v1.5"></path><rect class="acc" x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect class="acc" x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><path d="M18.75 19v.8a2.2 2.2 0 0 1-2.2 2.2H13"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">DCA and BPO</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Win panels, onboard portfolios faster and prove your controls.</span></a><a href="/sectors/debt-purchase" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]">
1<span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v3.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7"></path><path d="M6 17l3.4-3 3 2 5.6-4"></path><path d="M15 12h3v3"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Debt purchase</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Know what a portfolio is worth before you buy it.</span></a><a href="/sectors/retail" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]"><span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="5" width="19" height="14" rx="2"></rect><path class="acc" d="M2.5 8.5h19v3.5h-19z"></path><path d="M2.5 8.5h19M2.5 12h19"></path><rect x="5.5" y="14.5" width="4" height="2"></rect></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Retail</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Cards and digital lending, with collections that work the same in every channel.</span></a><a href="/sectors/bnpl" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]"><span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="3" y="4.5" width="18" height="16.5" rx="1.5"></rect><path class="acc" d="M3 4.5h18V10H3z"></path><path d="M3 10h18M8 2.5v4M16 2.5v4"></path><circle cx="8" cy="15.5" r="1.3"></circle><circle cx="12" cy="15.5" r="1.3"></circle><circle cx="16" cy="15.5" r="1.3"></circle></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Buy Now Pay Later</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Newly regulated. Collections built for a digital-first model.</span></a><a href="/sectors/water" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]">
1<span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M8.5 14.5a3.5 3.5 0 0 0 3.5 3.5"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Water</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Tell hardship from disengagement across household and non-household debt.</span></a><a href="/sectors/energy" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]"><span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path><path d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Energy</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Rising arrears, affordability and vulnerability, under Ofgem&#x27;s rules.</span></a><a href="/sectors/central-government" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]"><span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M4.5 10.5a7.5 7.5 0 0 1 15 0z"></path><path d="M4.5 10.5a7.5 7.5 0 0 1 15 0"></path><path d="M12 3V1.5M3 10.5h18M6 10.5v7.5M10 10.5v7.5M14 10.5v7.5M18 10.5v7.5M3.5 18h17M2.5 21.5h19"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Central government</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Recover more for public services, and treat citizens fairly.</span></a><a href="/sectors/local-government" class="sector-tile v2-reveal group relative flex min-h-[162px] flex-col gap-4 border-b border-r border-[var(--color-line)] bg-white p-7 transition-colors duration-300 hover:bg-[var(--color-teal-wash)]">
1<span aria-hidden="true" class="v2-row-rule"></span><div class="flex items-start justify-between"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-[var(--color-teal-wash)] text-[var(--color-navy)] group-hover:bg-[var(--color-navy)] group-hover:text-[var(--color-citron)] group-focus-visible:bg-[var(--color-navy)] group-focus-visible:text-[var(--color-citron)]" style="width:48px;height:48px"><svg viewBox="0 0 24 24" width="25" height="25" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 11l5.5-5.5 5.5 5.5z"></path><path d="M2.5 11l5.5-5.5 5.5 5.5v9.5h-11z"></path><path d="M13.5 9.5l4-4 4 4v11h-8"></path><path d="M6.5 20.5v-4h3v4M17 13h1.5M17 16.5h1.5"></path></svg></span><span aria-hidden="true" class="translate-x-[-6px] text-[var(--color-teal-ink)] opacity-0 transition-all duration-300 group-hover:translate-x-0 group-hover:opacity-100"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></div><span class="font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.1;color:var(--color-navy);font-size:calc(26px * 0.9)">Local government</span><span class="text-[15px] leading-[1.5]" style="color:var(--color-ink-2)">Council tax, housing and overpayments, with the whole resident picture.</span></a></div></div></div><aside class="flex flex-col" aria-labelledby="home-insights-title"><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">Insights</span><h2 id="home-insights-title" class="mt-3.5 font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.08;color:var(--color-navy);font-size:calc(34px * 0.9)">What we&#x27;re thinking about.</h2><p class="mt-3 text-[14px]" style="color:var(--color-ink-3)">Showing insights for <!-- -->US and Canada<!-- -->.<!-- --> <a href="/insights?region=us" class="font-semibold text-[var(--color-teal-ink)] hover:text-[var(--color-navy)]">See all</a></p><div aria-hidden="true" class="mt-8 aspect-[16/10] w-full" style="background-color:var(--color-paper)"></div><a href="/insights" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px] mt-2 self-start">All insights</a></aside></div></section><section id="client-work" class="relative overflow-hidden" style="background-color:var(--color-navy)"><div aria-hidden="true" data-tone="dark" class="rings" style="--rings-x:0%;--rings-y:100%"></div><div class="container-content relative" style="padding-block:var(--space-band)"><div class="v2-reveal mb-[clamp(32px,3.5vw,44px)] grid items-end gap-x-16 gap-y-7 lg:grid-cols-[minmax(0,7fr)_minmax(0,5fr)]"><div><p class="text-[12px] uppercase text-[var(--color-citron)]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">Client work</p><h2 class="mt-3.5 max-w-[24ch] text-white" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;font-size:calc(clamp(34px,4vw,52px) * 0.9)">Results our clients bank on.</h2></div><div><div class="mt-[22px] flex flex-wrap items-center gap-3"><a href="/case-studies" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-white/45 bg-transparent text-white hover:bg-white/10 focus-visible:bg-white/10 px-[18px] py-[11px] text-[14px]">All case studies</a></div></div></div><div class="grid grid-cols-1 gap-5 min-[760px]:grid-cols-3">
1<a href="/case-studies/cbe-group-cloud-migration" class="v2-case v2-reveal group relative flex h-full min-h-[280px] flex-col gap-4 bg-[var(--color-navy-mid)] p-[32px_28px] text-white transition-colors duration-300 hover:bg-[#0D3D74]"><span class="flex items-center gap-3"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:38px;height:38px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path d="M4.5 13.5V12a7.5 7.5 0 0 1 15 0v1.5"></path><rect class="acc" x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect class="acc" x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><path d="M18.75 19v.8a2.2 2.2 0 0 1-2.2 2.2H13"></path></svg></span><span class="text-[11px] uppercase text-white/60" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">DCA and BPO<!-- --> · <!-- -->Technology</span></span><span class="flex h-[44px] items-center"><span class="inline-flex h-[44px] items-center rounded-[2px] bg-white px-3"><img src="/assets/logos/cbe-group.webp" alt="CBE Group" loading="lazy" class="max-h-[26px] w-auto object-contain"/></span></span><span class="text-[var(--color-citron)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1;font-size:calc(clamp(44px,4.4vw,56px) * 0.9)">35+</span><span class="text-[16.5px] leading-[1.5] text-white/[0.85]">Recommendations to get more from technology they already owned</span><span class="mt-auto inline-flex items-center gap-2 pt-1 text-[15px] font-semibold text-[var(--color-citron)]">Read the case study<svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a><a href="/case-studies/us-provider-business-case" class="v2-case v2-reveal group relative flex h-full min-h-[280px] flex-col gap-4 bg-[var(--color-navy-mid)] p-[32px_28px] text-white transition-colors duration-300 hover:bg-[#0D3D74]"><span class="flex items-center gap-3"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:38px;height:38px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v4.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7M2.5 11.5h19"></path><path d="M12 10v4"></path></svg></span><span class="text-[11px] uppercase text-white/60" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">Financial services<!-- --> · <!-- -->Advisory</span></span><span class="flex h-[44px] items-center"><span class="text-[12px] uppercase text-white/80" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">Major US financial services provider</span></span><span class="text-[var(--color-citron)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1;font-size:calc(clamp(44px,4.4vw,56px) * 0.9)">$2m+</span><span class="text-[16.5px] leading-[1.5] text-white/[0.85]">Multi-million dollar savings identified before implementation began</span><span class="mt-auto inline-flex items-center gap-2 pt-1 text-[15px] font-semibold text-[var(--color-citron)]">Read the case study<svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a>
1<a href="/case-studies/lloyds-breathing-space" class="v2-case v2-reveal group relative flex h-full min-h-[280px] flex-col gap-4 bg-[var(--color-navy-mid)] p-[32px_28px] text-white transition-colors duration-300 hover:bg-[#0D3D74]"><span class="flex items-center gap-3"><span aria-hidden="true" class="inline-flex shrink-0 items-center justify-center rounded-full transition-colors duration-200 bg-white/[0.08] text-[var(--color-citron)]" style="width:38px;height:38px"><svg viewBox="0 0 24 24" width="20" height="20" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg></span><span class="text-[11px] uppercase text-white/60" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">Banking<!-- --> · <!-- -->Technology</span></span><span class="flex h-[44px] items-center"><span class="inline-flex h-[44px] items-center rounded-[2px] bg-white px-3"><img src="/assets/logos/lloyds.webp" alt="Lloyds Banking Group" loading="lazy" class="max-h-[26px] w-auto object-contain"/></span></span><span class="text-[var(--color-citron)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.02em;line-height:1;font-size:calc(clamp(44px,4.4vw,56px) * 0.9)">90%</span><span class="text-[16.5px] leading-[1.5] text-white/[0.85]">Of eligible customers placed on Breathing Space the same day</span><span class="mt-auto inline-flex items-center gap-2 pt-1 text-[15px] font-semibold text-[var(--color-citron)]">Read the case study<svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></span></a></div></div></section><section class="relative overflow-hidden" style="background-color:var(--color-paper)"><div aria-hidden="true" data-tone="light" class="rings" style="--rings-x:100%;--rings-y:100%"></div><div class="container-content relative grid grid-cols-1 items-center gap-12 min-[860px]:grid-cols-[minmax(0,5fr)_minmax(0,7fr)] min-[860px]:gap-20" style="padding-block:var(--space-band)"><figure class="v2-reveal ceo-portrait mx-auto w-full max-w-[420px]"><span aria-hidden="true" class="ceo-portrait-frame"></span><img src="/__l5e/assets-v1/8a908e6a-4b0c-4221-949e-7ef575d75714/arum-jamie-waller-ceo-executive-chair-portrait.webp" alt="Jamie Waller, CEO and Executive Chair at arum" width="264" height="264" loading="lazy" class="relative aspect-[4/5] w-full object-cover" style="object-position:center top"/></figure><div class="v2-reveal flex flex-col"><span class="inline-block text-[12px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:var(--color-teal-ink)">A note from our CEO</span><h2 class="mt-3.5 font-display" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.08;color:var(--color-navy);font-size:calc(clamp(30px, 3.4vw, 44px) * 0.9)">Technology, AI and data have never been easier to buy, but getting value from them has never been harder.</h2><div class="mt-7 flex flex-col gap-4"><p class="text-[17px] leading-[1.65]" style="color:var(--color-ink-2);max-width:62ch">Value usually gets lost in the requirements, the delivery and the operation around the technology. That&#x27;s where we work.</p><p class="text-[17px] leading-[1.65]" style="color:var(--color-ink-2);max-width:62ch">We&#x27;ve spent decades advising on strategy, assessing vendors and helping clients choose the right solution. We know the market well enough to certify the providers in it, through <a href="/arum-approved" class="font-semibold link-compass">arum approved</a>.</p><p class="text-[17px] leading-[1.65]" style="color:var(--color-ink-2);max-width:62ch">We don&#x27;t stop at the recommendation. We implement, we optimize and, when programs lose their way, we rescue them. Sometimes we join your delivery team. Sometimes we become it. We&#x27;ve played that role on many of the largest technology programs this industry has seen.</p><p class="text-[17px] leading-[1.65]" style="color:var(--color-ink-2);max-width:62ch">Whatever you ask us to do, the aim is the same. Technology is the investment. We&#x27;re the return.</p></div><div class="mt-9 flex flex-col items-start gap-1 border-t pt-7" style="border-color:var(--color-line)"><span class="inline-block" aria-hidden="true"><span class="signature" data-state="rest">Jamie Waller</span></span><a href="/people" style="color:var(--color-navy)" class="mt-2 text-[16px] font-semibold transition-colors hover:text-[var(--color-teal-ink)]">Jamie Waller</a><span class="text-[14.5px]" style="color:var(--color-ink-2)">CEO and Executive Chair</span><a href="/about/story" style="color:var(--color-teal-ink)" class="group mt-4 inline-flex items-center gap-2 text-[15px] font-semibold transition-colors hover:text-[var(--color-navy)]">Read our story<svg viewBox="0 0 24 24" width="16" height="16" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 transition-transform duration-300 group-hover:translate-x-1"><path d="M4.5 12h15"></path><path d="M13.5 6l6 6-6 6"></path></svg></a></div></div></div></section><section class="relative overflow-hidden bg-white"><div class="container-content relative" style="padding-block:var(--space-band)">
1<div class="v2-reveal mb-[clamp(32px,3.5vw,44px)] grid items-end gap-x-16 gap-y-7 lg:grid-cols-[minmax(0,7fr)_minmax(0,5fr)]"><div><p class="text-[12px] uppercase text-[var(--color-teal-ink)]" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em">People</p><h2 class="mt-3.5 max-w-[24ch] text-[var(--color-navy)]" style="font-family:var(--font-display);font-weight:600;letter-spacing:-0.03em;line-height:1.04;font-size:calc(clamp(34px,4vw,52px) * 0.9)">The people you meet are the people doing the work.</h2></div><div><p class="max-w-[56ch] text-[17px] leading-[1.55] text-[var(--color-ink-2)]">No layers between your question and the answer.</p><div class="mt-[22px] flex flex-wrap items-center gap-3"><a href="/people" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px]">Meet the team</a><a href="/people/careers" class="inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-[2px] font-semibold transition-colors duration-200 disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-navy)] bg-transparent text-[var(--color-navy)] hover:bg-[var(--color-navy)] hover:text-white focus-visible:bg-[var(--color-navy)] focus-visible:text-white px-[18px] py-[11px] text-[14px]">Careers at arum</a></div></div></div><div class="relative overflow-hidden [cursor:ew-resize]" style="mask-image:linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);-webkit-mask-image:linear-gradient(to right, transparent, #000 6%, #000 94%, transparent)"><div class="flex w-max items-start will-change-transform"><div class="flex items-start"><div class="flex items-start gap-[24px] pr-[24px] min-[640px]:gap-[32px] min-[640px]:pr-[32px] min-[1024px]:gap-[40px] min-[1024px]:pr-[40px]"><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/8a908e6a-4b0c-4221-949e-7ef575d75714/arum-jamie-waller-ceo-executive-chair-portrait.webp" alt="Jamie Waller, CEO and Executive Chair at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Jamie Waller</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">CEO and Executive Chair</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/portraits/jason-incles.webp" alt="Jason Incles, Non-Executive Director" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Jason Incles</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">Non-Executive Director</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/portraits/alex-chapman.webp" alt="Alex Chapman, Non-Executive Director" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Alex Chapman</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">Non-Executive Director</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/ed624dc6-50d5-4beb-81c6-d58d00eb5b48/arum-ella-grice-head-people-portrait.webp" alt="Ella Grice, Chief of Staff at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Ella Grice</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">Chief of Staff</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/936f850e-cc12-42b3-b278-2709aa46ff6a/arum-simon-day-cfo-portrait.webp" alt="Simon Day, CFO at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Simon Day</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">CFO</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/fc71d1d9-14bd-4084-aac9-b94dbfab83f6/
1arum-forid-meah-director-advisory-portrait.webp" alt="Forid Meah, Director of Advisory at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Forid Meah</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">Director of Advisory</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/b3242dfc-2a1d-49c2-9bd3-17a2b0f3a0b9/arum-owen-atkinson-director-delivery-portrait.webp" alt="Owen Atkinson, Director of Delivery Services at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Owen Atkinson</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">Director of Delivery Services</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/0544e5f0-fd47-4da9-bcb1-47ef3b8a1fc6/arum-mike-dugand-cto-portrait.webp" alt="Mike Dugand, CTO at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Mike Dugand</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">CTO</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/a57fd551-2f4a-4153-82ab-f8b4d3a681b3/arum-reuben-gates-svp-us-growth-portrait.webp" alt="Reuben Gates, SVP, US Growth at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Reuben Gates</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">SVP, US Growth</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/2fc7401a-ec17-4709-84cd-29a6f4a87805/arum-stephen-wright-sales-director-portrait.webp" alt="Stephen Wright, Sales Director at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Stephen Wright</span><span class="mt-0.5 block text-[13px] leading-snug text-[var(--color-ink-2)]">Sales Director</span></a><a href="/people#leadership" class="group block w-[150px] shrink-0 min-[640px]:w-[176px] min-[1024px]:w-[196px]"><span class="relative block overflow-hidden bg-[var(--color-paper)]"><img src="/__l5e/assets-v1/22bf0299-a198-4065-8f62-efb7fa0289fe/arum-matt-riddall-client-solutions-portrait.webp" alt="Matt Riddall, SVP, Client Solutions at arum" width="264" height="330" loading="lazy" class="aspect-[4/5] w-full object-cover transition-[transform,opacity] duration-700 group-hover:scale-[1.04] group-hover:opacity-95" style="object-position:center top"/><span aria-hidden="true" class="person-card-rule"></span></span><span class="mt-3 block text-[16px] font-semibold leading-snug text-[var(--color-navy)] transition-colors group-hover:text-[var(--color-teal-ink)]">Matt Riddall</span><span 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stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><circle cx="12" cy="12" r="9.25"></circle><circle class="acc" cx="12" cy="12" r="4"></circle><circle cx="12" cy="12" r="4"></circle><path d="M5.5 5.5l3.7 3.7M18.5 5.5l-3.7 3.7M5.5 18.5l3.7-3.7M18.5 18.5l-3.7-3.7"></path></svg><span>Rescue</span></a><a href="/collections-technology-optimisation" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M3 18l5.5-5.5 4 3L20 8v10z"></path><path d="M3 18l5.5-5.5 4 3L20 8"></path><path d="M15.5 8H20v4.5"></path><path d="M3 21.5h18"></path></svg><span>Optimize</span></a><a href="/collections-ai" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><circle class="acc" cx="12" cy="12" r="3"></circle><circle cx="12" cy="12" r="3"></circle><circle cx="4.5" cy="6.5" r="1.8"></circle><circle cx="19.5" cy="6.5" r="1.8"></circle><circle cx="4.5" cy="17.5" r="1.8"></circle><circle cx="19.5" cy="17.5" r="1.8"></circle><path d="M6 7.4l3.6 2.6M18 7.4l-3.6 2.6M6 16.6l3.6-2.6M18 16.6l-3.6-2.6"></path></svg><span>AI solutions</span></a><a href="/collections-analytics" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><circle class="acc" cx="12" cy="12" r="7.5"></circle><path d="M12 3.5A8.5 8.5 0 1 0 20.5 12H12V3.5z"></path><path d="M12 3.5V12h8.5"></path></svg><span>Analytics</span></a><a href="/collections-platform-managed-services" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M12 2.5l8 3v6.2c0 4.6-3.3 8-8 9.8-4.7-1.8-8-5.2-8-9.8V5.5z"></path><path d="M8.5 12.2l2.4 2.4 4.6-4.8"></path></svg><span>Managed services</span></a></div></div><div class="flex flex-col gap-3 col-span-2 row-start-3 sm:col-span-1 sm:row-start-auto min-[1080px]:col-span-1"><div class="text-[11px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:rgba(255,255,255,0.5)">Sectors</div><div class="grid grid-flow-col grid-rows-7 gap-x-5 gap-y-[9px] sm:flex sm:flex-col min-[1080px]:!grid min-[1080px]:grid-flow-col min-[1080px]:grid-rows-7"><a href="/sectors" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M3.5 21V4h10v17z"></path><path d="M3.5 21V4h10v17M13.5 9.5H20.5V21M2.5 21h19"></path><path d="M6.5 7.5h2M6.5 11h2M6.5 14.5h2M6.5 18h2M16.5 13h1.5M16.5 16.5h1.5"></path></svg><span>All sectors</span></a><a href="/sectors/banking" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M2.5 9.5L12 3.5l9.5 6z"></path><path d="M5 9.5v8M9.7 9.5v8M14.3 9.5v8M19 9.5v8"></path><path d="M3.5 17.5h17M2.5 21h19"></path></svg><span>Banking</span></a><a href="/sectors/dca-bpo" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path d="M4.5 13.5V12a7.5 7.5 0 0 1 15 0v1.5"></path><rect class="acc" x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="3" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect class="acc" x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><rect x="16.5" y="12.5" width="4.5" height="6.5" rx="1.2"></rect><path d="M18.75 19v.8a2.2 2.2 0 0 1-2.2 2.2H13"></path></svg><span>DCA and BPO</span></a><a href="/sectors/debt-purchase" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v3.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7"></path><path d="M6 17l3.4-3 3 2 5.6-4"></path><path d="M15 12h3v3"></path></svg><span>Debt purchase</span></a><a href="/sectors/retail" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="2.5" y="5" width="19" height="14" rx="2"></rect><path class="acc" d="M2.5 8.5h19v3.5h-19z"></path><path d="M2.5 8.5h19M2.5 12h19"></path><rect x="5.5" y="14.5" width="4" height="2"></rect></svg><span>Retail</span></a><a href="/sectors/bnpl" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y="4.5" width="18" height="16.5" rx="1.5"></rect><path class="acc" d="M3 4.5h18V10H3z"></path><path d="M3 10h18M8 2.5v4M16 2.5v4"></path><circle cx="8" cy="15.5" r="1.3"></circle><circle cx="12" cy="15.5" r="1.3"></circle><circle cx="16" cy="15.5" r="1.3"></circle></svg><span>Buy Now Pay Later</span></a><a href="/sectors/water" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M12 2.5s6.5 7 6.5 12a6.5 6.5 0 0 1-13 0c0-5 6.5-12 6.5-12z"></path><path d="M8.5 14.5a3.5 3.5 0 0 0 3.5 3.5"></path></svg><span>Water</span></a><a href="/sectors/energy" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path><path d="M13.5 2.5L4.5 13.5H11l-1.5 8 9-11H12z"></path></svg><span>Energy</span></a><a href="/sectors/central-government" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M4.5 10.5a7.5 7.5 0 0 1 15 0z"></path><path d="M4.5 10.5a7.5 7.5 0 0 1 15 0"></path><path d="M12 3V1.5M3 10.5h18M6 10.5v7.5M10 10.5v7.5M14 10.5v7.5M18 10.5v7.5M3.5 18h17M2.5 21.5h19"></path></svg><span>Central government</span></a><a href="/sectors/local-government" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M2.5 11l5.5-5.5 5.5 5.5z"></path><path d="M2.5 11l5.5-5.5 5.5 5.5v9.5h-11z"></path><path d="M13.5 9.5l4-4 4 4v11h-8"></path><path d="M6.5 20.5v-4h3v4M17 13h1.5M17 16.5h1.5"></path></svg><span>Local government</span></a></div></div><div class="flex flex-col gap-3 col-start-2 row-start-2 sm:col-start-auto sm:row-start-auto"><div class="text-[11px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:rgba(255,255,255,0.5)">Insights</div><div class="flex flex-col gap-[9px]"><a href="/insights" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y="4" width="18" height="16" rx="1.5"></rect><path class="acc" d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path><path d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path></svg><span>All insights</span></a><a href="/insights?type=blog" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y="4" width="18" height="16" rx="1.5"></rect><path class="acc" d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path><path d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path></svg><span>Blog</span></a><a href="/insights?type=whitepaper" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y="4" width="18" height="16" rx="1.5"></rect><path class="acc" d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path><path d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path></svg><span>Whitepapers</span></a><a href="/insights?type=news" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y=
1"4" width="18" height="16" rx="1.5"></rect><path class="acc" d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path><path d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path></svg><span>News</span></a><a href="/insights?type=event" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y="4" width="18" height="16" rx="1.5"></rect><path class="acc" d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path><path d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path></svg><span>Events</span></a><div class="mt-5 sm:hidden"><div class="flex flex-col gap-3 "><div class="text-[11px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:rgba(255,255,255,0.5)">Marketplace</div><div class="flex flex-col gap-[9px]"><a href="/marketplace" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M3 9l1.5-5h15L21 9v1a3 3 0 0 1-6 0 3 3 0 0 1-6 0 3 3 0 0 1-6 0z"></path><path d="M3 9l1.5-5h15L21 9"></path><path d="M3 9v1a3 3 0 0 0 6 0 3 3 0 0 0 6 0 3 3 0 0 0 6 0V9"></path><path d="M5 12.5V20.5h14v-8M10 20.5v-5h4v5"></path></svg><span>Marketplace by arum</span></a><a href="/arum-approved" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><circle class="acc" cx="12" cy="9" r="6"></circle><circle cx="12" cy="9" r="6"></circle><path d="M9.5 9.2l1.7 1.7 3.3-3.4"></path><path d="M8.5 14l-1.5 7.5 5-2.5 5 2.5L15.5 14"></path></svg><span>arum approved</span></a></div></div></div></div></div><div class="flex flex-col gap-3 col-span-2 row-start-4 sm:col-span-1 sm:row-start-auto min-[1080px]:col-span-1"><div class="text-[11px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:rgba(255,255,255,0.5)">Company</div><div class="grid grid-flow-col grid-rows-4 gap-x-5 gap-y-[9px] sm:flex sm:flex-col"><a href="/about" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M3.5 21V4h10v17z"></path><path d="M3.5 21V4h10v17M13.5 9.5H20.5V21M2.5 21h19"></path><path d="M6.5 7.5h2M6.5 11h2M6.5 14.5h2M6.5 18h2M16.5 13h1.5M16.5 16.5h1.5"></path></svg><span>About</span></a><a href="/case-studies" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="3" y="4" width="18" height="16" rx="1.5"></rect><path class="acc" d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path><path d="M7 16v-4h2.5v4zM11 16V8h2.5v8zM15 16v-2.5h2.5V16z"></path></svg><span>Case studies</span></a><a href="/about/accreditations" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><circle class="acc" cx="12" cy="9" r="6"></circle><circle cx="12" cy="9" r="6"></circle><path d="M9.5 9.2l1.7 1.7 3.3-3.4"></path><path d="M8.5 14l-1.5 7.5 5-2.5 5 2.5L15.5 14"></path></svg><span>Accreditations</span></a><a href="/people" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><circle class="acc" cx="9" cy="8" r="3.5"></circle><circle cx="9" cy="8" r="3.5"></circle><path d="M2.5 20c0-3.6 2.9-6 6.5-6s6.5 2.4 6.5 6"></path><circle cx="17" cy="9.5" r="2.5"></circle><path d="M16 14.5c3 0 5.5 2 5.5 5"></path></svg><span>People</span></a><a href="/people/careers" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><rect x="2.5" y="7" width="19" height="13.5" rx="1.5"></rect><path class="acc" d="M2.5 7h19v4.5h-19z"></path><path d="M8.5 7V4.8A1.3 1.3 0 0 1 9.8 3.5h4.4a1.3 1.3 0 0 1 1.3 1.3V7M2.5 11.5
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6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path><circle cx="12" cy="12" r="9.25"></circle><path d="M2.75 12h18.5"></path><path d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path></svg><span>London office</span></a><a href="/about/offices/sydney" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path><circle cx="12" cy="12" r="9.25"></circle><path d="M2.75 12h18.5"></path><path d="M12 2.75c2.6 2.5 3.9 5.6 3.9 9.25s-1.3 6.75-3.9 9.25c-2.6-2.5-3.9-5.6-3.9-9.25S9.4 5.25 12 2.75z"></path></svg><span>Sydney office</span></a></div></div></div><div class="flex flex-col gap-3 hidden sm:flex"><div class="text-[11px] uppercase" style="font-family:var(--font-brand);font-weight:600;letter-spacing:0.14em;color:rgba(255,255,255,0.5)">Marketplace</div><div class="flex flex-col gap-[9px]"><a href="/marketplace" class="group grid grid-cols-[16px_minmax(0,1fr)] items-start gap-2 text-[14px] text-white/70 transition-colors hover:text-white focus-compass"><svg viewBox="0 0 24 24" width="15" height="15" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" overflow="visible" aria-hidden="true" focusable="false" class="icon-v2 shrink-0 mt-[3px] text-[var(--color-teal)] transition-colors group-hover:text-[var(--color-citron)]"><path class="acc" d="M3 9l1.5-5h15L21 9v1a3 3 0 0 1-6 0 3 3 0 0 1-6 0 3 3 0 0 1-6 0z"></path><path d="M3 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