The global payment collection services market is facing various challenges, such as geopolitical and economic uncertainties, marked by increased consumer indebtedness, regulatory measures, and regional conflicts. Recent events such as the Credit Suisse collapse have heightened the demand for effective collection services to restore customer trust and fortify financial security. In the UK and Ireland (UK&I), the combination of rising inflation and economic downturn highlights the vital role of collection services for businesses striving to maintain financial stability in difficult circumstances. Customer vulnerability further complicates payment collection services, with a notable increase in arrears and individuals experiencing financial difficulties. In January 2024, UK household debt reached GBP1,838.7 billion, with the UK household debt-to-income ratio peaking at 124% in Q4 2023, highlighting significant strain on households. Additionally, 67% of UK adults fell into potentially vulnerable categories outlined by Consumer Duty regulations. These statistics reveal a stark reality, indicating a notable rise in vulnerable customers. This increase is evidenced by a surge in household debt, rising mortgage arrears, and alarming rates of daily insolvency declarations and property repossessions. These economic hardships profoundly impact individuals' mental well-being, contributing to increased levels of stress and anxiety. It is vital for enterprises to provide tailored guidance, empathetic customer service, and support through various channels. Empathetic customer support builds trust between creditors and debtors, easing the burden on vulnerable customers and helping them manage their financial responsibilities more effectively. In this viewpoint, we explore the payment collections market and the regulatory landscape in the UK&I. It provides guidance for enterprises on understanding customer vulnerability, delivering empathetic customer service, and evaluating the impact of emerging technologies, such as generative AI, in the collection services sector. Scope: Industry: all Geography: UK&I This report is based on primary and secondary data collection, conversations with market participants, and fact-based research Content: In this viewpoint, we examine: Trends in the UK&I payment collections market Customer vulnerability and current state in the UK&I Regulations governing payment collections in the UK&I Key considerations for selecting the right provider Generative AI’s impact on the payment collections market Membership(s) Customer Experience Management (CXM) Services, including Contact Center Outsourcing CX Excellence Outsourcing Excellence

Digital transformation extends beyond merely adopting new technologies or redesigning workflows and processes. It is important to ensure that the workforce is engaged from the outset and equipped with the necessary guidance to facilitate seamless interaction between users and technology. However, as businesses progress to optimize their digital efforts, the next wave of AI-driven transformation has emerged, promising to deliver new levels of workplace efficiency and productivity. In this rapidly evolving technology landscape, Digital Adoption Platforms (DAP) play a vital role in eliminating digital friction, streamlining workflows, and transforming technology investments into competitive advantages. However, as AI adoption rises, the narrative surrounding DAPs is undergoing a compelling and transformative chapter. Next-generation DAPs, enhanced and empowered by AI, now offer personalized guidance to end users within their workflow, while unlocking full visibility into technology stack adoption for business leaders. In this viewpoint, we explore the evolution of DAPs as they transcend their original role of software adoption. We introduce next-generation DAPs and examine their evolving value proposition, emerging use cases, and product capabilities. Furthermore, we discuss the significant benefits that these advanced platforms offer and highlight the key next steps for enterprises looking to leverage next-generation DAPs for a successful AI transformation. Scope All industries and geographies Contents In this report, we examine: The AI-driven shift in enterprise priorities The evolution of next-generation DAPs, including their evolving value propositions, use cases, and product capabilities The advantages of adopting next-generation DAPs Key next steps for enterprises adopting next-generation DAPs Membership(s) Human Resources Sourcing and Vendor Management

In recent years, the emergence of digital tools and technologies has brought significant change in clinical research and trials. While traditional clinical trials have long been the gold standard for evaluating medical interventions, the proliferation of digital solutions has introduced complexities in managing multiple systems, data silos, and non-interoperable platforms. The patient and sponsor experiences suffer due to the presence of multiple disjointed systems and interfaces, leading to challenges in accessing and managing medical information. These challenges have sparked an urgent need to develop a unified approach that can streamline clinical trials and seamlessly integrate diverse technologies and data sources. The vision of a unified approach to transform clinical trials is fueled by the recognition of these challenges and the understanding that embracing digital technologies alone is not enough. To fully harness the potential of these tools, a cohesive and harmonized ecosystem is required, one in which data flows seamlessly, and technologies complement each other. This viewpoint offers a comprehensive view on a unified platform approach in clinical development, highlighting the key business challenges that enterprises face and the advantages of adopting such platforms. The report also outlines the architecture of these unified clinical development platforms and the benefits they offer to various stakeholders. Additionally, it provides a framework for life sciences companies to transition to this approach and offers recommendations for a successful implementation. Scope Industry: life sciences Geography: global Contents In this report, we present: An overview of a unified platform approach to clinical development including key business challenges that enterprises face and the benefits of adopting such platforms An overview of the architecture of a unified clinical development platform and stakeholder benefits that these platforms can unlock A framework for life sciences enterprises to transition to a unified platform approach and recommendations for success Membership(s) Clinical Development Technology Sourcing and Vendor Management

The volatile business environment in the post-pandemic landscape has affected organizational abilities for talent acquisition planning and decision-making processes. A fluctuating talent market has increased layoffs in some organizations, while many others struggle to find workers for niche and skilled roles. Amid this turmoil, HR and talent acquisition leaders have been forced to rethink their Talent Acquisition (TA) and workforce management practices, and redesign their strategies to attract, source, engage, and retain candidates. The talent landscape offers a unique interplay of challenges and opportunities, including the chance to streamline TA processes by adopting the emerging trends and themes in the TA market. Everest Group and Sevenstep collaborated to conduct a research focusing on the smart trends and themes that are impacting talent and business leaders in this volatile environment. They are presenting the findings over a series of two viewpoints that discuss three broad smart trends: Innovations in talent analytics Agile TA practices for volatile conditions Removing barriers to the contingent workforce The first report in the series delves into the innovations in talent analytics and provides HR and TA leaders with approaches to incorporate these practices within their organizations. The research leverages IP and data from a survey of more than 150 senior HR and TA leaders across locations, industries, and organization sizes. Scope All industries and geographies Contents In this report, we explore: An extreme business and talent landscape Innovation spotlight: talent analytics Predictive workforce intelligence Operationalizing data-driven decision-making Integrating predictive workforce intelligence Membership(s) Recruitment Sourcing and Vendor Management

The Hospital at Home (HaH) healthcare delivery model enables patients to receive hospital-level care at home, improving patient comfort and potentially reducing extended hospital stays. Advanced technology and healthcare professionals support this innovative approach, which aims to provide high-quality care for acute and chronic conditions, thus transforming the healthcare landscape. The integration of HaH into acute care has the potential to revolutionize healthcare by offering comprehensive, cost-effective, and proactive care. Remote Patient Monitoring (RPM), a technology that facilitates real-time communication between patients and healthcare providers, plays a vital role in ensuring the effectiveness of the HaH model. Initially, chronic care adopted RPM, which has achieved considerable success and is now gaining traction in acute care. We anticipate further expansion in RPM adoption across various healthcare specialties. In this report, we examine the evolving landscape of HaH and the significant role that RPM plays in its effectiveness. It also explores the drivers and challenges of HaH adoption, future outlook, current adoption levels of HaH and RPM, and investments in care specialties. Scope Industry: healthcare Geography: global Contents In this report, we examine: The evolving HaH landscape RPM’s significance in the HaH model Drivers and challenges for HaH HaH’s future outlook Membership (s) Healthcare Payer and Provider Information Technology Sourcing and Vendor Management

The talent market has evolved rapidly following the pandemic, impacting every industry. The life sciences industry which was already grappling with issues such as talent scarcity, skill gaps, time-to-fill positions, and attrition had to face newer challenges when the pandemic struck. However, the Recruitment Process Outsourcing (RPO) industry demonstrated strong resilience during this period of global disruption. It rapidly evolved to become more dynamic and reliable and significantly more agile in driving and shaping clients’ next-generation talent needs. This evolution paved the way for the future of RPO – RPO 4.0. This report examines RPO 4.0 and its key levers to address talent acquisition-related challenges. Scope Industry: life sciences Domain: RPO Geography: global Contents In this report, we look at: Talent- and talent acquisition-related challenges facing the life sciences industry The role of RPO and its evolution RPO 4.0’s value proposition and its key levers Key levers to address talent acquisition-related challenges Membership(s) Recruitment Sourcing and Vendor Management

The talent market has evolved rapidly following the pandemic, impacting every industry. The healthcare industry which was already grappling with issues such as talent shortage and skill gaps, high attrition, and poor candidate experience had to face newer challenges when the pandemic struck. However, the Recruitment Process Outsourcing (RPO) industry demonstrated strong resilience during this period of global disruption. It rapidly evolved to become more dynamic and reliable and significantly more agile in driving and shaping clients’ next-generation talent needs. This evolution paved the way for the future of RPO – RPO 4.0. This report examines RPO 4.0 and its key levers to address talent acquisition-related challenges. Scope Industry: healthcare Domain: RPO Geography: global Contents In this report, we look at: Talent- and talent acquisition-related challenges facing the healthcare industry The role of RPO and its evolution RPO 4.0’s value proposition and its key levers Key levers to address talent acquisition-related challenges Membership(s) Recruitment Sourcing and Vendor Management

The talent market has evolved rapidly following the pandemic, impacting every industry. The consumer brands and retail industry which was already grappling with issues such as talent scarcity and skill gaps, a weak Employee Value Proposition (EVP), and limited talent diversity had to face newer challenges when the pandemic struck. However, the Recruitment Process Outsourcing (RPO) industry demonstrated strong resilience during this period of global disruption. It rapidly evolved to become more dynamic and reliable and significantly more agile in driving and shaping clients’ next-generation talent needs. This evolution paved the way for the future of RPO – RPO 4.0. This report examines RPO 4.0 and its key levers to address talent acquisition-related challenges. Scope Industry: consumer brands and retail Domain: RPO Geography: global Contents In this report, we look at: Talent- and talent acquisition-related challenges facing the consumer brands and retail industry The role of RPO and its evolution RPO 4.0’s value proposition and its key levers Key levers to address talent acquisition-related challenges Membership(s) Recruitment Sourcing and Vendor Management

During a time of economic uncertainty, tough macroeconomic conditions, pricing pressures, and the emergence of new competitors, insurers must transform their role from being mere risk insurers to risk guardians, and they must focus intently on core modernization. To achieve this goal, insurers need to drive front-to-back modernization that addresses both growth and efficiency mandates. They must establish a modern core foundation and leverage a core technology partner ecosystem. In this report, we explore the need for core modernization and present a three-pronged agenda for insurers to maximize the value from their core systems. While insurers are investing in the right infrastructure, it is vital for them to select the best-fit core to realize value from their investments. Insurers must take a long-term view of core transformation to guide their broader IT strategies, future-proof their technology estates, and establish scaled data-driven decision-making capabilities. Scope: Industry: insurance Geography: global Contents: In this report, we: Provide a three-pronged agenda for insurers to maximize value from their core systems Discuss enterprise considerations for selecting the right core platform Examine enterprise considerations for selecting the right integration partner Membership (s) Insurance Information Technology Sourcing and Vendor Management

Throughout 2022, headlines concerning the Ukraine-Russia conflict, wage inflation, talent shortages, and the possibility of an impending economic slowdown remained prevalent. Despite these challenges, enterprises demonstrated resilience and increased their expenditures on Engineering Research and Development (ER&D) in areas such as platformization, 5G, digital engineering, and Industry 4.0. As a result, there was a gradual but steady growth in global ER&D spend. Furthermore, ER&D outsourcing continued to grow, albeit at a slower rate than in 2021, as recessionary headwinds persisted in the latter half of 2022. The need for specialized talent capable of working on rapidly evolving technologies and the drive for shorter innovation cycles and faster time-to-market remained vital ER&D spending growth drivers. As enterprises and providers adjust to the anticipated economic slowdown in 2023, we examine the key developments expected in ER&D this year. Scope Industry: ER&D Geography: global Contents In this report, Everest Group analyzes the key macroeconomic factors that are expected to impact both spending and outsourcing in the ER&D industry throughout 2023. Membership(s) Engineering Services Sourcing and Vendor Management