Different parts of an organisation will have different views and inputs into where the problems lie. The fraud team will be concerned about devices acquired from a retail channel or an e-commerce channel appearing on the network for three months and then disappearing. Whilst the finance and accounts team will want to reduce the bad debt associated with non-payment of devices. The handset team will want to understand the controls that can be placed on devices and the marketing team will want to offer customers the best devices at the lowest prices.
Balancing these different requirements is generally a decision for the C-level – Sales, Marketing, and Finance team who have the overarching view about the true cost of offering device financing and the associated risks. Again, this will vary for each market because of the different types of financial and regulatory practices.