With the sunset of the CUBS collections platform set for the end of 2025, many organizations face a strategic decision: migrate early and gain control over the transition, or risk being caught in a last-minute rush that jeopardizes operations, compliance, and continuity.

Whether you’ve relied on CUBS for years or inherited it as part of an older system stack, this transition presents an opportunity to rethink how collections technology supports your workflows—not just replace one system with another.

Modern organizations are built on decisions. Every customer interaction, internal approval, or compliance check hinges on a choice—often repeated thousands of times a day. As companies grow and processes scale, making those decisions consistently, accurately, and efficiently becomes a serious operational challenge.

Enter the decision engine: a powerful tool that allows businesses to automate logic-based decisions across workflows, applications, and departments—without losing control or oversight.

In a digital-first world, data security and privacy are no longer IT concerns—they're board-level priorities. For organizations that handle sensitive information, especially in industries like finance, healthcare, and collections, demonstrating a commitment to security is not just good practice—it’s a critical trust signal.

That’s where ISO 27001 certification comes into play.

Artificial Intelligence (AI) has moved beyond buzzword status. In today’s business environment—especially in process-heavy areas like debt collection—AI is actively reshaping how organizations operate, optimize, and serve customers. When implemented thoughtfully, AI enables teams to make faster decisions, reduce manual work, and improve outcomes across the board.

In an era of increasing operational complexity and regulatory pressure, simplicity has become a competitive advantage. For collections leaders, the goal isn’t just to recover more—it’s to do it efficiently, predictably, and with minimal risk exposure.

Collections aren’t just for agencies. From telecoms and insurance to utilities and SaaS, companies across industries are increasingly managing overdue balances in-house. But their needs differ dramatically from those of traditional debt collection agencies—and their technology should reflect that.

The banking landscape in North America is undergoing a period of accelerated evolution. In both Canada and the United States, financial institutions are facing heightened competition, shifting customer expectations, and an increasingly complex regulatory environment. As banks and credit unions reassess their technology roadmaps, many are beginning to pivot away from monolithic legacy systems and toward more modular, composable architectures. At the heart of this transition is the growing interest in modern platforms like Lateral.

In a rapidly evolving financial landscape, credit unions face unprecedented pressure to modernize their operations, enhance member experiences, and ensure regulatory compliance — all while maintaining their community-first ethos. The choice of technology partner is no longer a peripheral decision; it is central to the long-term resilience and growth of every credit union. Lateral Technology stands uniquely positioned to empower credit unions across the United States, Canada, Ireland, Australia and elsewhere with an advanced, future-ready platform.