Non-Prime Times
November 13, 2017

Why We Rely on Mobile Convenience

No matter our age, we have all heard the “in my day we didn’t have …” statements that older generations like to talk about with younger generations. Now that it’s 2017, there is quite a bit of new technology that can be used to fill in the end of that sentence. People over the age of 40 today didn’t have the convenience of tablets, Wi-Fi, Bluetooth, on-demand content, or hundreds of television channels when they were kids. And, of course, they didn’t have smartphones.

Today, it seems like everyone from grandparents to small children have a smartphone in hand. If you walk around a crowded place, you will probably see most people with their heads down eyeing their phone screen and even toddlers in strollers playing on some device to keep them entertained. Millennials tend to take most of the heat when it comes to being overly dependent on technology. But based on what we see every day, they aren’t the only generation that is drawn-in by smart devices.

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Payix PR
October 19, 2017

Jose Diaz Employee Spotlight 

One of the reasons our clients have said they choose to work with us is because of the team we’ve assembled. We’re proud of the professionals who work at Payix, and we’re excited to introduce you to one of them today.Jose Diaz, better known as Jr. around the office, is the Business Intelligence Manager here at Payix. From others’ perspectives, Jr.’s work deals mostly with numbers and excel sheets.

But beneath the stream of numbers is valuable data that can improve company efficiency.As the Business Intelligence Manager, Jr.’s job is to analyze that data to predict business trends. He creates reports for Payix and client companies and provides recommendations based on his findings. His work helps companies better understand their customers’ behavior and become as successful as possible.

Overall, what Jr. enjoys most is helping Payix and client companies identify changes they can make to improve efficiency and profitability. “Accurately predicting an outcome based on the data I analyze and seeing the final solutions work as intended is the best aspect of my job,” he said.

Outside the office, Jr. is an exceptionally active person who frequently takes part in races that challenge his athletic ability. He usually competes in mud races or obstacle course runs on the weekends, sometimes going as far as San Antonio to take part in an event. Even when he isn’t preparing for or taking part in a race, Jr. loves to remain active and go rock climbing with his wife and friends.

                  Jose (Jr) Diaz


SubPrime Auto Finance News
SubPrime Auto Finance News Senior Editor Nick Zulovich
September 25, 2017

Payix describes brisk pace of its mobile collections business

FORT WORTH, Texas — Forgive Payix president Chris Chestnut if it takes a moment to collect himself and determine what today’s date might be.

“The past six months has flown by,” Chestnut said during an interview with SubPrime Auto Finance News. “It seems like just yesterday we were in southern California — at the Nortridge Software annual user group meeting — preparing to unveil our products. Our time since the launch has been filled with reaching important milestones, as well as working together as a team to solve problems.

“As much as you try to anticipate what’s ahead, you can’t think of everything. But by staying focused and committed to our vision, we’ve maintained an upward trajectory,” Chestnut continued.

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Payix PR
September 18, 2017

The Advantages of White-labeling
White-labeling is a simple process that is often applied throughout the business world. In fact, it is so commonly used, most people don’t realize how many items around them are actually white-labeled. Frequently purchased items ranging from electronics, like radios and remote controls, to supermarket signature brands are examples of white-labeled products [1]. So, what exactly is white-labeling, and why is it so widely used by businesses?

Here’s how it works: white-label solutions, or products, are created by someone who does not intend to market straight to the end consumer. Rather, the creator who has already put in the time and effort to build a product will sell it to another business. Then that business will brand the product as its own and resell it to its consumers. [2]

The process may sound like businesses are taking advantage of creators, but white-labeling is a win-win for both groups involved. Though the creator does all the work, it is paid amply for its time and effort – a win. As for the business that bought the product, it has to pay a fee, but it still gets to market the product as its own – another win. This win-win situation is why white-labeling is so widely used by businesses.

There are other reasons why white-labeling can be advantageous to businesses that choose to utilize the method. Maybe the most crucial reason is so a business can offer a product or service to its consumers without spending the significant amounts of time and money needed to produce the service.[3] Creating new products is incredibly time-consuming and requires both financial and human resources. [4]  If the product or service already exists, it can be more efficient and cost-effective for a business to pay a creator for it than develop one itself.

White-labeling is also advantageous during business development. Say a business wants to develop new products for its consumers or its consumers are demanding new products. In either scenario, a business has three options. The first is to create the new product in-house, which is often a slow and expensive option. The second option is for the business to buy a third-party’s product. But, without white-labeling, a business is buying and promoting a different company’s brand instead of its own, which could potentially cost the business consumers. The third option is to purchase a pre-made product or service from a developer and white-label the product to sell to consumers. With this option, the business can provide its consumers with a familiar brand that they trust, thus strengthening the loyalty of consumers and growing that brand.[5]

Additionally, white-labeling allows businesses to avoid some roadblocks. Undertaking a project to create a product or service can derail other business goals. [6]  Creating something brand new requires significant attention from employees dedicated to that project. That adds up to a great deal of time focused on only a small part of the overall business. Frankly, it can be a huge distraction that can be dangerous, especially if consumers are waiting on the business to get the job done. If developing a service takes a few extra months, or potentially even years, customers could leave to find solutions somewhere else.[7]

Ultimately, white-labeling is often a simpler path for businesses to take to bring a new product or service to market. This solution not only saves businesses significant time and money, but can also help keep consumers happy and loyal.



  1. White Label Product”. Investopedia. Retrieved August 29, 2017.
  2. Pepalis, B. (2016, Feb. 11). “Keep your Brand’s Value with White Label Software”. Izenda. Retrieved August 29, 2017.
  3. Gainor, D. (2014, June 3). “Why A White Label Solution Is Easier Than Building Your Own”. Forbes. Retrieved August 29, 2017.
  4. Gainor, D. (2014, June 3). “Why A White Label Solution Is Easier Than Building Your Own”. Forbes. Retrieved August 29, 2017.
  5. Jenkins, J. (2015, Aug. 6). “Let’s Not and Say We Did: 8 Reasons to White Label”. Sky Stats. Retrieved August 29, 2017.
  6. Creed, M. (2017, July 12). “Is Your Company Considering White Label Software?”. Clinked. Retrieved August 29, 2017.


Non-Prime Times
September 8, 2017

You Like to Talk, but They Like to Text

Remember the rotary dial telephone? If you’re older than 40, you do. Rotary phones were still in most homes and businesses in the 1960s and weren’t really phased out completely in favor of push-button phones until the 1980s. It wasn’t a leap to begin using the push-button phone, but it was a change – and most people readily made the change without offering much resistance.

Since then, telecommunication has come a long way. No more push-button phones, and for many people, no more home phones at all. A Gfk MRI Survey of the American Consumer published earlier their year showed- for the first time- that a majority of adults in the United States now live in households with no landline telephones. Instead, most Americans are using mobile phones to talk with one another, and they’re not just any old mobile phones either. A Pew Research Center study released this past January indicated nearly 80 percent of adults in the United States are using smartphones.

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