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Finance Financial ServicesTop 10 Best Bank Collections Software of 2026
Top 10 Bank Collections Software ranked for 2026, with technical comparisons of ACI Collections, FIS CAR, and Temenos Infinity Collections.
How we ranked these tools
Core product claims cross-referenced against official documentation, changelogs, and independent technical reviews.
Analyzed video reviews and hundreds of written evaluations to capture real-world user experiences with each tool.
AI persona simulations modeled how different user types would experience each tool across common use cases and workflows.
Final rankings reviewed and approved by our editorial team with authority to override AI-generated scores based on domain expertise.
Score: Features 40% · Ease 30% · Value 30%
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Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
ACI Collections
Workflow orchestration with rule-driven assignment and collector task management
Built for banks needing enterprise-grade delinquency workflows and multichannel collections governance.
FIS CAR
Editor pickCollections case management with configurable assignment workflows and stage-based dunning
Built for banks managing delinquent portfolios needing governed case workflows and reporting.
Temenos Infinity Collections
Editor pickCollections workflow orchestration with rule-based case management and contact strategy execution
Built for banks running enterprise collections with complex rules, integration, and governance.
Related reading
Comparison Table
This comparison table evaluates Bank Collections Software by integration depth, data model rigor, and the automation and API surface used for provisioning and configuration. Readers can compare how each platform represents collections data and workflows, then map those schema choices to throughput, extensibility, and admin governance controls like RBAC and audit logs. The entries include ACI Collections, FIS CAR, Temenos Infinity Collections, SAS Collections Intelligence, NICE Actimize Collections, and additional systems to show key tradeoffs.
ACI Collections
enterprise collectionsProvides bank-grade debt and account collections capabilities with workflows for dunning, contact strategies, and portfolio management.
Workflow orchestration with rule-driven assignment and collector task management
ACI Collections stands out for its depth in managed collections operations across digital and traditional channels. The solution supports account-level workflows for delinquency handling, customer contact management, and collector task execution.
It also emphasizes integration with upstream banking systems to keep collections actions aligned with account status, payment history, and servicing events. Extensive configuration and rules-based orchestration help banks run consistent strategies across portfolios and geographies.
- +Rules-based collections orchestration across delinquency stages and portfolios
- +Integrated account data supports accurate actions based on payment and status history
- +Workflow and queue management improves collector task execution and prioritization
- –Complex configuration can slow initial rollout for teams without prior collections expertise
- –Operational tuning requires strong process governance to avoid inconsistent outcomes
- –Advanced capabilities may demand additional integration work for nonstandard systems
Collections operations managers
Configure delinquency strategies across portfolios
Consistent treatment across portfolios
Bank servicing operations teams
Coordinate servicing events with contacts
Fewer out-of-sync account actions
Show 2 more scenarios
Call center and collectors
Execute contact and promise workflows
Faster resolution of delinquencies
Guide collector tasks through scripted contact handling and action outcomes tied to account state.
Digital collections channel owners
Drive omnichannel delinquency handling
Higher engagement on delinquent accounts
Orchestrate customer outreach using digital and traditional channels aligned to account lifecycle rules.
Best for: Banks needing enterprise-grade delinquency workflows and multichannel collections governance
More related reading
FIS CAR
core banking collectionsDelivers collections automation for financial institutions through case management, payment promise handling, and campaign-driven dunning.
Collections case management with configurable assignment workflows and stage-based dunning
FIS CAR stands out as a collections-focused suite from FIS that supports bank-grade case management for delinquent and default portfolios. Core capabilities include dunning and workflow automation, collections assignment and monitoring, and reporting for performance tracking across branches and teams.
The solution is designed to coordinate collector actions with customer communications and to enforce business rules across the collection lifecycle. FIS CAR also emphasizes auditability and operational controls for regulated financial collections processes.
- +Strong collections workflow with configurable case handling and assignment controls
- +Robust dunning and communication orchestration aligned to collection stages
- +Detailed operational reporting for portfolio, performance, and collector monitoring
- –Implementation and configuration complexity can slow early rollout for new users
- –User experience depends heavily on administration and tailored business rules
Collections operations managers
Standardize collector workflows across branches
Fewer workflow deviations
Compliance and audit teams
Maintain audit trails for calls
Simpler audit evidence
Show 2 more scenarios
Branch collections supervisors
Monitor delinquent portfolio performance
Better portfolio visibility
Provides reporting to track assignment, monitoring, and outcomes across branches and teams.
Customer communications teams
Coordinate letters with case status
More consistent contact history
Aligns customer communications with collector actions to ensure consistent next-step messaging.
Best for: Banks managing delinquent portfolios needing governed case workflows and reporting
Temenos Infinity Collections
digital collectionsSupports collections orchestration for banks using customer interactions, rules-driven strategies, and portfolio servicing workflows.
Collections workflow orchestration with rule-based case management and contact strategy execution
Temenos Infinity Collections stands out with a configurable collections operating model inside the Temenos Infinity digital banking suite. It supports multi-channel collections workflows with rules-driven case management, contact strategy, and customer communication orchestration.
The solution integrates collections activities with core banking data to align dunning outcomes to account status and customer context. Strong configurability and enterprise-grade architecture support large portfolios, complex risk and segmentation, and operational governance.
- +Configurable collections workflows align dunning actions to account and customer context
- +Rules-driven case management supports segmentation and consistent follow-up execution
- +Designed for enterprise integration with banking systems and operational reporting
- –Implementation and configuration can require significant integration and governance effort
- –User productivity depends on how well workflows, templates, and escalation rules are designed
- –Administrative complexity rises with highly granular segmentation and contact strategies
Collections operations managers
Run segment-based dunning and case workflows
Consistent collections execution across portfolios
Bank customer service teams
Resolve delinquency via coordinated communications
Faster resolution of delinquent cases
Show 2 more scenarios
Credit risk and compliance leads
Govern collections based on risk segmentation
Reduced policy and compliance breaches
Risk and segmentation controls align dunning outcomes to customer status and governance requirements.
IT integration teams
Sync collections actions with core banking
Lower integration effort for status data
Collections activities integrate with core banking data for accurate status and customer context updates.
Best for: Banks running enterprise collections with complex rules, integration, and governance
More related reading
SAS Collections Intelligence
analytics-drivenApplies analytics and next-best-action decisioning to collections strategies for more effective prioritization and treatment selection.
Next-best action decisioning that ranks accounts using SAS scoring and treatment rules
SAS Collections Intelligence stands out for combining collections workflows with SAS analytics to guide account strategies and next-best actions. It supports segmentation, scoring, and prioritization to direct contact and servicing efforts across delinquency stages. The solution also integrates operational data sources to support decisioning and performance measurement throughout the collections lifecycle.
- +Decisioning uses SAS analytics for rule-driven prioritization and action assignment
- +Supports segmentation and scoring to target accounts by risk and behavior
- +Integrates analytics outputs into collections operations and performance reporting
- +Strong configuration for campaign and treatment logic across delinquency stages
- –Implementation typically requires SAS-centric expertise and system integration work
- –Workflow usability can feel complex compared with simpler point solutions
- –Lightweight stand-alone configuration for business users is limited
Best for: Banks needing SAS-driven analytics for prioritized collections treatments and reporting
NICE Actimize Collections
rules and caseworkAutomates delinquent account collections with decisioning rules, case management, and contact management for financial services.
Collections strategy optimization with rule-based decisioning and prioritized queue management
NICE Actimize Collections stands out for integrating collections decisioning with fraud and financial crime context from the NICE Actimize suite. It supports automated case management, customer contact workflows, and rule-based prioritization for delinquent accounts.
The system emphasizes analytics-driven segmentation and collections optimization through configurable strategies, rather than only basic dunning letters. Deployment also typically fits banks that need auditability and governance across collection actions.
- +Rule-based collections strategies with strong prioritization and segmentation
- +Deep integration with NICE Actimize analytics and case intelligence
- +Configurable contact workflows with audit-friendly controls
- –Implementation and tuning require experienced configuration and governance
- –User experience depends heavily on administrative setup and role design
- –Advanced orchestration can add complexity for smaller collections teams
Best for: Large banks needing governed, analytics-led collections workflow automation
Pegasystems Collections
workflow automationUses workflow automation and customer engagement orchestration to manage delinquency and collections treatments at scale.
Next-best-action decisioning to select the right treatment and contact moment per account
Pegasystems Collections stands out for combining collections decisioning with workflow automation inside a single customer engagement environment. It supports automated contact strategies, treatment planning, and orchestration of next-best actions across channels for delinquent accounts. The system emphasizes rules, analytics integration, and audit-friendly process execution through configurable workflows.
- +Strong rules and decisioning to drive collection contact strategies and treatments
- +Workflow orchestration coordinates agent tasks and automated actions across channels
- +Integration-friendly design for analytics and enterprise systems in collection operations
- +Audit-ready execution supports governance for regulated collection processes
- –Workflow configuration can be complex for teams without Pegasystems experience
- –Building and maintaining decision logic requires specialized skills and discipline
- –Tuning treatments and channels may take longer than lighter-weight collection tools
Best for: Banks needing automated collections workflows with decisioning and governance
More related reading
NICE CXone Collections
contact center collectionsCombines customer engagement tooling with collections processes to manage inbound and outbound contact flows for delinquent customers.
Collections workflow automation with automated dispositioning and task routing
NICE CXone Collections stands out by combining collections-specific workflows with a broader customer engagement suite for consistent communication across channels. It supports automated contact strategies, account dispositioning, and task routing so collectors can move cases through defined stages.
The offering also emphasizes compliance-ready communications and operational controls suitable for regulated bank collections environments. Strong orchestration capabilities suit teams that need both dialing or outreach logic and case management under governance.
- +Collections orchestration with account dispositioning and stage-based workflows
- +Centralized case and task routing supports consistent collector operations
- +Compliance-focused communication management across multiple outreach channels
- –Setup complexity can be high for advanced orchestration and routing rules
- –Reporting depth can require careful configuration to match bank KPIs
- –UI learning curve exists for non-technical operations teams
Best for: Bank collections teams needing governed case workflows and multi-channel engagement
Backbase Collections
customer journeyEnables digital self-service and guided customer journeys that support collections engagement and repayment resolution.
Collections Journey orchestration with case-based workflow and customer communications control
Backbase Collections centers on building and orchestrating customer-facing collections journeys with configurable workflows across digital channels. It supports case-based collections operations, agent assist, and integration patterns that connect to core banking systems and customer data.
The solution emphasizes compliance-ready communications and auditability while coordinating collections activities at scale. It is best fit for banks that want reusable journey components rather than one-off collection scripts.
- +Configurable collections journeys across digital and operational channels
- +Case and workflow orchestration supports structured collections operations
- +Strong integration orientation for core banking and customer data
- –Implementation effort can be high due to journey and workflow configuration
- –Deep operational fit may require process redesign and tight system integration
- –Reporting and governance depth can feel complex without clear templates
Best for: Banks modernizing collections with configurable journeys and integrated case workflows
More related reading
Salesforce Service Cloud for Collections
CRM case managementImplements collections case management, customer communications, and workflow automation using configurable service and CRM features.
Case management with SLA tracking for delinquent account follow-up and dispute handling
Salesforce Service Cloud for Collections differentiates by using Salesforce case management as the operational hub for delinquency workflows. It provides omnichannel engagement across call, email, and digital channels with configurable case and task handling.
Collections teams can automate work using workflow tools, routing logic, and SLA tracking to manage contact attempts and resolve disputes. Integration with the Salesforce platform supports pulling customer, account, and payment context into each collections interaction.
- +Case-centric collections workflows support structured dispute and resolution tracking
- +Omnichannel engagement centralizes agent interactions with customer context
- +SLA and task management help enforce contact cadence and operational targets
- –Collections-specific automation often needs configuration by admins
- –Complex ownership, routing, and data modeling can slow rollout
- –Reporting depends heavily on disciplined field design and governance
Best for: Banks needing case-driven collections workflows with omnichannel agent operations
Oracle Financial Services Collections and Recovery
banking suiteSupports collections and recovery operations with strategic engagement, operational workflows, and reconciliation capabilities.
Policy-driven collections workflow orchestration across recovery stages
Oracle Financial Services Collections and Recovery targets enterprise debt collection with policy-driven workflows, channel orchestration, and recovery strategy management. It supports credit and collections lifecycle automation with rule-based decisioning, account segmentation, and automated task handling across collections stages.
Strong integration patterns with Oracle banking and operational systems help unify customer, account, and servicing data for consistent collection actions. Implementation complexity and heavy enterprise customization requirements can slow time-to-value for smaller collections teams.
- +Policy-driven collections workflows with configurable recovery stages
- +Rule-based contact strategies support consistent decisioning across segments
- +Enterprise integration patterns unify customer and account servicing data
- +Operational controls support auditable actions across the recovery lifecycle
- –Requires significant enterprise implementation and configuration effort
- –User experience can feel complex for high-volume case operators
- –Customization depth can extend delivery timelines for narrower use cases
Best for: Large banks needing rule-based, auditable collections and recovery automation
Conclusion
After evaluating 10 finance financial services, ACI Collections stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right Bank Collections Software
This buyer's guide covers ACI Collections, FIS CAR, Temenos Infinity Collections, SAS Collections Intelligence, NICE Actimize Collections, Pegasystems Collections, NICE CXone Collections, Backbase Collections, Salesforce Service Cloud for Collections, and Oracle Financial Services Collections and Recovery.
The guide focuses on integration depth, the collections data model, automation and API surface, and admin and governance controls.
It also explains which implementation decisions matter most when building governed delinquency and recovery workflows across portfolios.
Bank collections orchestration that turns delinquency events into governed cases and customer actions
Bank Collections Software coordinates delinquency handling and recovery workflows using a case model, dunning stages, contact strategies, and task queues tied to account context.
Tools in this category reduce missed contact steps and inconsistent collector execution by mapping upstream payment and status history into workflow rules and stage-based decisioning.
ACI Collections shows how workflow orchestration can drive rule-driven assignment and collector task management using integrated account-level data.
Evaluation criteria for governed collections automation and controllable integrations
Integration depth determines whether collections actions stay aligned with servicing events, account status, and payment history rather than relying on manual data pulls.
Automation and API surface determines whether workflow decisions, case creation, and assignment can be provisioned and executed consistently across environments.
Admin and governance controls determine whether role-based access, audit logging, and operational controls keep regulated collections execution consistent across teams and channels.
Rule-driven assignment tied to delinquency stages
ACI Collections provides workflow orchestration with rule-driven assignment and collector task management across delinquency stages and portfolios. FIS CAR and Temenos Infinity Collections both use configurable assignment workflows and stage-based dunning to enforce consistent case progress.
Collections data model built around cases, tasks, and dispositioning
FIS CAR centers on collections case management with configurable case handling and assignment controls that support stage-based dunning. NICE CXone Collections extends this model with automated dispositioning and task routing so collectors move cases through defined stages.
Next-best-action decisioning from analytics or scoring
SAS Collections Intelligence ranks accounts using SAS scoring and treatment rules and then routes actions into collections operations. Pegasystems Collections and NICE Actimize Collections apply decisioning to select the right treatment and contact moment per account with prioritized queues.
Channel and communication orchestration with audit-friendly governance
NICE Actimize Collections supports configurable contact workflows with audit-friendly controls and analytics-led segmentation. Backbase Collections and Salesforce Service Cloud for Collections focus on orchestration across digital and omnichannel interactions while keeping case and workflow execution controlled.
Operational reporting for portfolio performance and collector monitoring
FIS CAR includes detailed operational reporting for portfolio, performance, and collector monitoring. Temenos Infinity Collections and ACI Collections emphasize operational reporting aligned to account context and workflow governance for large portfolios.
Extensibility and automation surface for provisioning and change control
ACI Collections supports extensive configuration and rules-based orchestration that can be aligned with upstream banking systems, which typically reduces manual workflow edits during rollout. Pegasystems Collections and Oracle Financial Services Collections and Recovery emphasize enterprise integration patterns and policy-driven workflows that usually require disciplined configuration governance to maintain throughput and consistency.
Pick the right collections engine by mapping governance, workflow modeling, and integration ownership
Start by defining the collections object model needed for operations, because case-centric tools like FIS CAR and Salesforce Service Cloud for Collections route work through SLA tracking and dispute resolution workflows.
Then validate integration depth by checking whether each tool keeps decisions aligned to integrated account, customer, and servicing context rather than operating on static spreadsheets.
Finish by assessing automation and governance controls because complex workflow configuration without strong RBAC and audit posture increases operational tuning effort.
Confirm the collections operating model that matches how work moves in the bank
If delinquency work is handled as governed cases with assignment and stage-based dunning, FIS CAR and Temenos Infinity Collections fit because both provide configurable assignment workflows and stage-oriented dunning. If the operating model is built around personalized treatment selection per account, Pegasystems Collections and SAS Collections Intelligence use next-best-action decisioning to drive the right contact moment and treatment.
Map integration ownership to upstream account and payment context
ACI Collections emphasizes integrated account data to keep collections actions aligned with payment history and account status, which reduces manual reconciliation across systems. Oracle Financial Services Collections and Recovery and Temenos Infinity Collections both target enterprise integration patterns that unify customer and servicing data, which matters when core banking events drive policy decisions.
Validate the automation surface for workflow configuration and collector execution
For rule-driven assignment and queue management, NICE Actimize Collections and ACI Collections provide configurable strategy and prioritized queue management for consistent collector execution. For dispositioning and task routing across channels, NICE CXone Collections offers automated dispositioning and stage routing that matches call and outreach operations.
Check governance controls for regulated execution at scale
For strong auditability and operational controls, FIS CAR emphasizes auditability and operational controls for regulated collections. NICE Actimize Collections and Pegasystems Collections both use audit-friendly process execution and role design, which keeps governance aligned with decisioning changes.
Stress-test rollout complexity against available configuration expertise
If internal teams have strong collections configuration discipline, Temenos Infinity Collections and Pegasystems Collections can support granular segmentation and highly configurable workflows. If teams need faster rollout, reduce reliance on highly granular segmentation and escalation rules by comparing ACI Collections and FIS CAR where governance patterns focus on stage handling and assignment controls.
Which banks get the fastest operational gains from these collections platforms
Collections teams benefit most when the tool mirrors the bank's workflow movement from delinquency detection to case handling to contact execution and resolution.
Different platforms emphasize different centers of gravity, including rule-driven queue management, analytics-led next-best-action, and digital journey orchestration.
Selecting the wrong center of gravity increases configuration load and slows operational tuning, especially when governance rules are still evolving.
Enterprise delinquency operations needing rule-driven assignment and collector task orchestration
ACI Collections targets workflow orchestration with rule-driven assignment and collector task management while using integrated account data for accurate actions based on payment and status history. This segment matches teams that prioritize throughput and consistency across portfolios and geographies.
Governed case handling for delinquent portfolios with stage-based dunning and performance monitoring
FIS CAR provides collections case management with configurable assignment workflows and stage-based dunning plus detailed operational reporting for portfolio and collector monitoring. This segment fits banks that run branch and team operations and need governed case workflows with auditability.
Large banks with complex rules, segmentation, and governance inside an enterprise digital banking ecosystem
Temenos Infinity Collections offers collections orchestration inside the Temenos Infinity digital banking suite with rule-based case management and contact strategy execution. This segment fits banks that already integrate deeply with core banking data and want dunning outcomes aligned to account status and customer context.
Banks that need analytics-led prioritization using SAS scoring or decisioning from advanced models
SAS Collections Intelligence ranks accounts using SAS scoring and treatment rules and integrates those decisions into collections operations and reporting. This segment fits teams that already operate with SAS-centric expertise and want prioritization that changes with risk and behavior.
Digital and omnichannel operations teams that orchestrate customer journeys and case workflows together
Backbase Collections focuses on collections journey orchestration across digital channels with configurable workflows and case-based orchestration. Salesforce Service Cloud for Collections centers on case-driven omnichannel engagement with SLA and dispute handling, which fits teams that manage agent interactions through a CRM-style hub.
Common implementation pitfalls that slow collections rollout and degrade governance
Several pitfalls repeat across the platforms, especially when teams underestimate workflow configuration complexity or misalign the data model with operational ownership.
Other failures come from treating decisioning and assignment rules as one-time configuration rather than governance-controlled assets.
The result is operational tuning that takes longer than expected when escalation logic and stage handling are still changing.
Underestimating workflow configuration complexity during rollout
ACI Collections and FIS CAR both rely on extensive configuration and rules, which can slow initial rollout without collections expertise and governance discipline. Temenos Infinity Collections and Pegasystems Collections increase this risk because configurable workflows and granular segmentation raise the administrative and integration workload.
Using a spreadsheet-like workflow approach on top of a case engine
Salesforce Service Cloud for Collections depends on disciplined field design and governance, and complex ownership and routing configuration can slow rollout if data modeling is weak. Backbase Collections also requires journey and workflow configuration that can force process redesign when operational ownership is unclear.
Treating decisioning logic as optional when the platform is built for governed assignment
SAS Collections Intelligence and NICE Actimize Collections both depend on prioritization and rule-based decisioning to rank accounts and drive treatments. Without governance-controlled tuning of those rules, next-best-action recommendations and prioritized queues can become inconsistent across stages.
Skipping governance and role design for regulated execution
FIS CAR emphasizes auditability and operational controls, and skipping role design increases the risk of inconsistent case handling. NICE Actimize Collections and Pegasystems Collections both rely on audit-friendly controls and configurable governance patterns, which need defined ownership for rules, assignments, and contact templates.
Overloading the integration layer without mapping upstream events to workflow decisions
Oracle Financial Services Collections and Recovery targets policy-driven workflows and unifies customer and servicing data, which requires significant enterprise implementation and configuration effort. ACI Collections also depends on integrated account data, so nonstandard system integrations can increase integration work when upstream events are not mapped to collections stages and actions.
How We Selected and Ranked These Tools
We evaluated ACI Collections, FIS CAR, Temenos Infinity Collections, SAS Collections Intelligence, NICE Actimize Collections, Pegasystems Collections, NICE CXone Collections, Backbase Collections, Salesforce Service Cloud for Collections, and Oracle Financial Services Collections and Recovery using editorial scoring that weighs features most heavily, ease of use next, and value last.
Features carried the largest influence at 40% with ease of use at 30% and value at 30%, and the overall rating reflects that balance across each tool's stated capabilities.
This ranking uses only the provided review fields and does not claim lab testing or private benchmarks.
ACI Collections separated from lower-ranked tools by delivering workflow orchestration with rule-driven assignment and collector task management backed by integrated account data, which lifted the features score most strongly and aligned with the integration and governance requirements highlighted across the evaluated criteria.
Frequently Asked Questions About Bank Collections Software
How do ACI Collections and FIS CAR differ in collections workflow control for delinquency cases?
Which product is better when collections decisions must align to core banking account status and servicing events?
What integration patterns and APIs are typically required for connecting collections systems to upstream banking and customer data sources?
How do NICE Actimize Collections and Pegasystems Collections handle security and auditability for regulated collections workflows?
What RBAC and admin controls are needed to manage collector access, case states, and workflow changes?
How do SAS Collections Intelligence and NICE Actimize Collections differ when prioritization depends on analytics and next-best actions?
Which tools best support multi-channel communication orchestration during the collections lifecycle?
How does Backbase Collections support extensibility when collections teams need reusable digital journey components?
What data migration approach matters most when moving from legacy delinquency tools into an enterprise collections platform?
Tools reviewed
Primary sources checked during evaluation.
Referenced in the comparison table and product reviews above.
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