Abstract — Advances in technology are offering businesses innovative ways to utilize their data. For the collections industry, speech analytics has created opportunities for automating processes to eliminate human error, measure quality of service, and strengthen procedural standards for script adherence and compliance. The most progressive application of this technology involves behavioral science; by applying techniques and research on consumer behavior to agencies’ call data, collection strategies can be optimized for the best possible result. This paper will outline some basic concepts from consumer behavior research and illustrate how collections strategies can be tailored to consumer types for the fastest return on investment.