Unique solutions designed by collectors for collectors with a focus on you and your recovery. For over 10 years Applied Innovation has increased productivity and efficiency for the ARM Industry with proven tools for increasing client retention, reducing cost to collect and IT overhead, and even enhancing recovery with our revolutionary virtual collection & online payment options. Contact us to learn about how ClientAccessWeb and PayStream can be tailored to your collection environment to handle clients and consumers alike, in the method you choose. www.AppliedInnovationInc.com