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Working Notes • December 20, 2024 ??? 1 min read

Written by Kaycee Obanya

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Debt Collection State Machines

Modeling debt collection lifecycles as state machines. From account and data onboarding through pre-arrears, early warning, arrears onset, handling transitions, edge cases, and state-dependent business rules.

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Preview: State Machines for Debt Collections Lifecycle

This topic explores how to model loan lifecycles using state machines, ensuring clean state transitions and making business rules explicit and testable.