About ARMA

ARMA is a 100% Australian-based customer centric organisation that provides better ways to resolve debt. We specialise in improving the financial well-being of individuals and businesses around Australia and around the world. We’re a company on a mission to change the way people can manage their money.

We’re not your typical debt collection agency

We’re one of Australia’s fastest growing financial support service providers and part of the only ASX-listed fintech that specialises in full lifecycle recoveries.
Founded in 2018, with a vision to be at the forefront of change within the collections industry, we were built to challenge the way the industry operated and how it was perceived. Our goal was to simplify, digitise, and automate the collections process to empower customers to regain control over their financial well-being.

One of Australia’s most successful collection agencies

Today, we’re one of Australia’s most successful collection agencies, thanks to our hybrid approach to recoveries – bringing together our multi-award winning technology with an experienced team of highly specialised communicators who are trained and empowered to have genuine, compassionate, and effective conversations to ensure the best outcomes for all parties.

From pre collect consultancy services to legal enforcement, our business is structured to offer a seamless transition through the debt management lifecycle. Our specialist collection and communication centres, tech development hub and in-house law firm are integrated in such a way that allows us to provide our clients with a “one-stop shop” for all matters relating to debt management.

We inspire through delivering great customer experience

At ARMA, we aim to inspire others by showing that it’s possible to deliver a great customer experience while collecting overdue accounts quickly and cost-effectively.

Ultimately, we’re changing the way people can choose to manage their repayments, while protecting our client’s brands and setting them up for long-term success. And that’s a great outcome for everyone.

Who we work with

ARMA is trusted by more than 1,000 organisations to engage with their customers and to help them resolve their outstanding accounts. We work across all sectors,including government, banking and finance, energy and water, health, education, infrastructure, insurance and telecommunications.


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Our purpose is to provide better ways to resolve debt

Supporting this purpose are our core values that inspire our mission, embed our culture, and reflect what we are committed to. They are the essence of our identity, our guiding principles, and engrained in our organisational DNA.


We care about our performance so that it may have a positive impact on our teams, customers, clients and community.


Doing the right thing every time, our clients and customers can trust us to act with honesty, transparency and fairness.


Always challenging the status quo, we are transforming our role from simply recovering debts to actively helping individuals overcome their financial challenges.


We listen first to customers and try to walk in their shoes, so that we can understand their situation and provide better ways to help.


We value the relationships with our clients and their customers, and provide sensible solutions to make their lives easier.


Our people are our greatest asset and we empower them with the environment, pathways and tools to grow.

Meet Andrew Smith

Chief Executive Officer

“We’re going through a shift in the ways companies collect payments to a more digital method. By implementing AI solutions and engaging with respect and empathy we preserve not only customer integrity but the brand reputation of our clients”

Multi-award winning technology

Our technology is helping businesses across all sectors drive improved financial outcomes by changing the way customers manage their repayments through a user experience that the market demands in a digital age.

Best Use of AI by an Australian Fintech 2021

Best Use of AI by an Australian Fintech 2022

FinTech Australia Awards Finalist - Excellence in Insurtech 2023

Our adaptive workflow and behavioural analytics account receivable SaaS platform is customisable and self-learning, recommending the next best strategy to engage your customers. Sophisticated workflows can be developed that understand the situation with that individual customer and respond appropriately. Providing relevant options improves collection performance and the customer experience.

With ARMA, you can rest assured your brand is in good hands

Compliance is at the heart of everything we do. We make sure it’s built in to all of our processes to ensure adherence to all relevant regulations and guidelines to protect our clients and their customers.



We hold all applicable licences in every jurisdiction to undertake debt collection activities throughout Australia.



We hold all applicable insurance policies in excess of the minimum industry standards including Professional Indemnity, Public and Products Liability, Cyber Insurance and WorkCover.

Industry Affiliations

Industry Affiliations

We’re proud members of the AICM, the IMA and a preferred Supplier to Procurement Australia, the Municipal Association of Victoria (MAV), and the Local Government Associations of NSW, WA and SA.

Data Security

Data Security

Our organisation is accredited to ISO 27001 information security compliance standards and Tier 1 PCI DSS payment security standards. The information we hold is region locked to Australia which ensures that data sovereignty is maintained at all times.

Quality Management

Quality Management

We have an established Quality Management System in place, accredited to ISO 9001, as a means of ensuring that our services comply with legislative and regulatory requirements, and to demonstrate a commitment to continuous improvement.

Business Continuity

Business Continuity

Throughout the organisation, our systems and processes are designed with a focus on business continuity and resilience. This is supported by offices in every major capital city of Australia with the capability to bridge any localised impacts.

Book a consultation

Our team is happy to answer your sales questions. Just fill out the form and we’ll be in touch.

Let us know the best time to get in touch and one of our team will give you a call.