{"id":93071,"date":"2026-02-17T13:00:30","date_gmt":"2026-02-17T07:30:30","guid":{"rendered":"https:\/\/datacultr.com\/?p=93071"},"modified":"2026-03-12T18:00:07","modified_gmt":"2026-03-12T12:30:07","slug":"look-beyond-device-lock-by-changing-repayment-behaviour","status":"publish","type":"post","link":"https:\/\/datacultr.com\/blogs\/device-financing\/look-beyond-device-lock-by-changing-repayment-behaviour\/","title":{"rendered":"Look Beyond Device Lock by Changing Repayment Behaviour"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"93071\" class=\"elementor elementor-93071\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-243be4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"243be4c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61bbc0d\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"61bbc0d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57b173f elementor-widget elementor-widget-text-editor\" data-id=\"57b173f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In device financing, device lock is often seen as the primary risk control tool.<br \/>Missed payment? Lock the device.<br \/>Payment resumes? Unlock it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5621276 elementor-widget elementor-widget-text-editor\" data-id=\"5621276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This model has enabled lenders to confidently extend credit to new-to-credit and thin-file customers while protecting the financed asset.<\/p><p>But customer expectations are evolving. Borrowers today expect clarity, timely reminders, and fair, empathetic communication, not just enforcement after a miss. As device financing scales and ticket sizes rise, relying only on control mechanisms is no longer enough.<\/p><p>In 2026, the key difference between average and high-performing device financing portfolios will be the ability to shape repayment behaviour early, through consistent, device-led engagement that prevents delays before they turn into defaults, while keeping device lock as a structured backstop.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67d2e8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67d2e8c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d0ac30\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"6d0ac30\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a70e660 elementor-widget elementor-widget-heading\" data-id=\"a70e660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Repayment Behaviour is the Real Risk Lever<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-225ea4a elementor-widget elementor-widget-text-editor\" data-id=\"225ea4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Defaults in device financing rarely happen all at once. They build gradually, through missed reminders, confusion around dues, broken communication, or small delays that slowly become a habit. Common patterns include:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ed29e2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed29e2c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-2ddea44\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"2ddea44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c72448a elementor-widget elementor-widget-text-editor\" data-id=\"c72448a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Customers missing the first instalment<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-60c3f98\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"60c3f98\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f435e8d elementor-widget elementor-widget-text-editor\" data-id=\"f435e8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Delayed payments becoming normalised<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-9695fa0\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"9695fa0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8041563 elementor-widget elementor-widget-text-editor\" data-id=\"8041563\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Low response to calls or messages<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-fbb3cbe\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"fbb3cbe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff586f7 elementor-widget elementor-widget-text-editor\" data-id=\"ff586f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>\u201cWill pay later\u201d behaviour without follow-through<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f512a93 elementor-widget elementor-widget-text-editor\" data-id=\"f512a93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When these patterns repeat, portfolios reflect it quickly through rising DPD movement and weaker roll rates. Early-stage slippage is often the clearest signal of future delinquency.<\/span><\/p><p><span style=\"font-weight: 400;\">The environment is also becoming more demanding. In India, industry executives have indicated <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/economictimes.indiatimes.com\/industry\/cons-products\/electronics\/smartphone-loan-defaults-surge-amid-push-for-premium-upgrades\/articleshow\/124325349.cms?\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">mobile financing default rates in the ~2.7%\u20132.9% range<\/span><\/a><\/span><span style=\"font-weight: 400;\"> (vs ~2% expected), showing how quickly risk can rise as ticket sizes increase and device prices move up. This reinforces why managing repayment behaviour early is critical for long-term portfolio health.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-479817a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"479817a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce8561a\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"ce8561a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bc77cd elementor-widget elementor-widget-heading\" data-id=\"1bc77cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Behaviour Stack that Improves Repayment Outcomes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a8ef2a elementor-widget elementor-widget-text-editor\" data-id=\"9a8ef2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>1. Set clear repayment expectations from the start<\/b><\/p><p><span style=\"font-weight: 400;\">Most repayment issues begin with <\/span><b>uncertainty, not unwillingness.<\/b><span style=\"font-weight: 400;\"> When customers are unclear about when to pay, how often to pay, or what happens if they delay, <\/span><b>even willing payers can slip.<\/b><span style=\"font-weight: 400;\"> Clear expectations remove this ambiguity early.<\/span><\/p><p><span style=\"font-weight: 400;\">Make sure the customer understands:\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exact due dates and payment frequency<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The total amount to be repaid over the loan period<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consequences of missed payments, explained simply and upfront<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">This reduces disputes, confusion, and the \u201cI didn\u2019t know\u201d delays that damage repayment behaviour.<\/span><\/p><p><b>2. Consistent, device-linked communication<\/b><\/p><p><span style=\"font-weight: 400;\">In device financing, the phone itself is the strongest engagement channel. Direct-to-device reminders, lock-screen alerts, and in-app notifications outperform generic SMS or IVR because:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They reach the customer on the financed device\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are harder to ignore<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They feel contextual, not intrusive<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">This keeps repayment top-of-mind without escalating pressure, improving early-stage collections efficiency. The goal is not message volume, it is visibility and timing.<\/span><\/p><p><b>3. Behaviour-based segmentation<\/b><\/p><p><span style=\"font-weight: 400;\">Not all delays mean the same thing. Some customers pay late once and self-correct. Others miss repeatedly and disengage. Treating both as the same increases cost and weakens outcomes.<\/span><\/p><p><span style=\"font-weight: 400;\">This is why advanced risk management teams segment customers using behavioural signals such as:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment history and consistency\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Response behaviour to reminders<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reliability of promise-to-pay commitments<\/span><\/li><\/ul><p><b>4. Disciplined use of device lock<\/b><\/p><p><a href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-lock\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><span style=\"color: #0000ff;\">Device lock<\/span><\/span><\/a><span style=\"font-weight: 400;\"> works best when customers clearly understand why it is happening and how to resolve it. Instead of feeling sudden or confusing, its use should follow a visible sequence:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customers are informed in advance that continued non-payment can lead to restrictions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reminders clearly state what action is required to avoid locking<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Once payment is made, access is restored\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8514f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8514f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8632267\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"8632267\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-401e48f elementor-widget elementor-widget-heading\" data-id=\"401e48f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Where Datacultr Fits: Behaviour-Led Risk Management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1aff3c elementor-widget elementor-widget-text-editor\" data-id=\"b1aff3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Datacultr\u2019s approach to <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-financing\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">device financing<\/span><\/a><\/span><span style=\"font-weight: 400;\"> risk management is built around one principle: shape repayment behaviour first, enforce only when required. The platform uses the financed device as the primary engagement channel, helping lenders stay visible and connected throughout the repayment journey, before delays turn into defaults.<\/span><\/p><p><span style=\"font-weight: 400;\">Alongside device lock as a strong asset-level control, Datacultr enables behaviour-led engagement across key stages:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f569df elementor-widget elementor-widget-text-editor\" data-id=\"8f569df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Pre-due stage:<\/b><b><\/b><\/p><ul><li aria-level=\"1\"><b>Flash Messages with smart CTAs: <\/b><span style=\"font-weight: 400;\">\u00a0On-screen reminders with clear calls to action. Result: 25% increase in on-time payments.<\/span><\/li><li aria-level=\"1\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/digicall\/\" target=\"_blank\" rel=\"noopener\"><b>DigiCall<\/b><\/a><\/span><b>: <\/b><span style=\"font-weight: 400;\">Secure, authenticated, bank-branded digital calling that reaches the device, not just a phone number. 100% Safe, 100% Actionable.\u00a0<\/span><\/li><\/ul><p><b>Early collection stage:\u00a0<\/b><b><\/b><\/p><ul><li aria-level=\"1\"><b>Wallpaper Reminder: <\/b><span style=\"font-weight: 400;\">Always-visible payment reminders without restricting device usage. Result: 72% of payments received within 48 hours.<\/span><\/li><li aria-level=\"1\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/promise-to-pay\/\" target=\"_blank\" rel=\"noopener\"><b>Promise to Pay<\/b><\/a><\/span><b>: <\/b><span style=\"font-weight: 400;\">Capture customer intent to repay later and guide next actions. Result: 67% reduction in NPLs.<\/span><\/li><\/ul><p><b>Late collection stage:\u00a0<\/b><b><\/b><\/p><ul><li aria-level=\"1\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/mobile-number-on-demand\/\" target=\"_blank\" rel=\"noopener\"><b>Mobile Number on Demand (MOD)<\/b><\/a><\/span><b>: <\/b><span style=\"font-weight: 400;\">Instant access to the customer\u2019s active phone number on the device. Result: 4\u00d7 higher recoveries.<\/span><\/li><li aria-level=\"1\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/location-on-demand\/\" target=\"_blank\" rel=\"noopener\"><b>Location on Demand (LOD)<\/b><\/a><\/span><b>: <\/b><span style=\"font-weight: 400;\">Real-time, intelligent location insights, designed to strengthen risk models and improve collections workflows. Result: 30% higher collection success.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Together, these engagement-led actions have delivered clear results across device financing portfolios:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1921d4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1921d4c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5e9e83c\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"5e9e83c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9329af3 elementor-widget elementor-widget-litho-heading\" data-id=\"9329af3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"litho-heading elementor-size-default\"><span class=\"litho-primary-title\">25%<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca2fb9d elementor-widget elementor-widget-text-editor\" data-id=\"ca2fb9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">increase in on-time payments<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7e9fd1a\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"7e9fd1a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-344929c elementor-widget elementor-widget-litho-heading\" data-id=\"344929c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"litho-heading elementor-size-default\"><span class=\"litho-primary-title\">4x<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a53d945 elementor-widget elementor-widget-text-editor\" data-id=\"a53d945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">higher post-due collections<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-741b743\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"741b743\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f81609f elementor-widget elementor-widget-litho-heading\" data-id=\"f81609f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"litho-heading elementor-size-default\"><span class=\"litho-primary-title\">67%<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebbbed4 elementor-widget elementor-widget-text-editor\" data-id=\"ebbbed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">reduction in non-performing loans<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfe7548 elementor-widget elementor-widget-text-editor\" data-id=\"dfe7548\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is why, in 2026, the strongest device financing portfolios will be defined not by how quickly they enforce device lock, but by how effectively they influence repayment behaviour before enforcement is needed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fd8bb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fd8bb2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48ede0c\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"48ede0c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6376b5 elementor-widget elementor-widget-heading\" data-id=\"e6376b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">People Also Ask<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa48e75 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa48e75\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4b3781\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"a4b3781\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4025617 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"4025617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-4025617\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"4025617\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"is-device-lock-enough-to-manage-risk-in-device-financing\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-6721\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">Is device lock enough to manage risk in device financing?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6721\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"is-device-lock-enough-to-manage-risk-in-device-financing\"><p><span style=\"font-weight: 400\">Device lock is an important risk management tool in device financing, but it is not sufficient on its own. Managing repayment behaviour early through device-led engagement helps prevent delays before enforcement is required. Platforms like <\/span><b>Datacultr enable this by combining device lock with continuous device-level communication<\/b><span style=\"font-weight: 400\">, allowing lenders to influence repayment behaviour before enforcement becomes necessary.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-lenders-improve-repayment-behaviour-in-device-financing\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-6722\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">How do lenders improve repayment behaviour in device financing?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6722\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"how-do-lenders-improve-repayment-behaviour-in-device-financing\"><p><span style=\"font-weight: 400\">Lenders can improve repayment behaviour in device financing by setting clear payment expectations, using device-based communication, and segmenting customers based on behavioural signals. <\/span><b>Datacultr supports this by using the financed device as the primary engagement channel<\/b><span style=\"font-weight: 400\">, enabling reminders, promise-to-pay workflows, and structured escalation to reduce slippages and improve repayment outcomes.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"does-customer-engagement-reduce-defaults-in-device-financing\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-6723\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">Does customer engagement reduce defaults in device financing?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6723\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"does-customer-engagement-reduce-defaults-in-device-financing\"><p><span style=\"font-weight: 400\">Yes, customer engagement reduces defaults in device financing by improving on-time payments, lowering early-stage delinquency, and increasing post-due recoveries, especially when communication happens on the financed device. <\/span><b>Datacultr\u2019s device-led engagement model ensures messages are visible, contextual, and actionable<\/b><span style=\"font-weight: 400\">, helping lenders influence repayment behaviour before small delays turn into chronic defaults and non-performing loans.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-does-datacultr-manage-risk-in-device-financing-beyond-device-lock\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-6724\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">How does Datacultr manage risk in device financing beyond device lock?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6724\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"how-does-datacultr-manage-risk-in-device-financing-beyond-device-lock\"><p><span style=\"font-weight: 400\">Datacultr manages risk in device financing by focusing on the full repayment journey and shaping repayment behaviour through device-level engagement, using device lock as a structured enforcement tool rather than a first response. Beyond device lock, Datacultr enables disciplined pre-due engagement, early collections, and late-stage recovery, allowing lenders to intervene early, escalate transparently, and improve repayment consistency across device financing portfolios.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In device financing, device lock is often seen as the primary risk control tool.Missed payment? Lock the device.Payment resumes? Unlock it. This model has enabled lenders to confidently extend credit to new-to-credit and thin-file customers while protecting the financed asset. But customer expectations are evolving. Borrowers today expect clarity, timely reminders, and fair, empathetic communication, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":93078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[206,207,209],"tags":[281,361,362,363,364,365,366,367,368,369,370],"class_list":["post-93071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-device-financing","category-device-lock","category-collection-strategy","tag-device-lock-platform","tag-device-locking-tools","tag-beyond-device-lock","tag-device-lock-solutions","tag-device-lock-for-financers","tag-device-locking-software","tag-device-locking-platform","tag-repayment-behaviour","tag-protection-from-defaults","tag-security-from-repayment-lapses","tag-device-lock-for-delinquent-customers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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