THE FUTURE OF CREDIT RISK: LEADING WITH DATA… POWERED BY PEOPLE
In 2020, my family and I decided to travel to Dubai for Christmas, right in the middle of the Covid chaos. It was a full adventure on its own.
While we were trying to find our hotel, hoping we wouldn’t catch Covid, stressed, tired, and confused, our navigation suddenly told us, right in the middle of the highway, that we had “arrived at the hotel” and should park immediately. For a moment, we all panicked… and then burst into laughter. Finally, we gave up on the smart tools, pulled out an old school paper map, and found the hotel the traditional way.
But it also reminded me of something important: technology can be impressive, but it still needs humans to guide it. Honestly, that idea fits perfectly with the future of credit risk.
Today, credit risk management in large, global companies has become more complex than ever. We manage thousands of customers across many regions, industries, and regulatory environments. Markets shift daily…customer behaviour changes with economic cycles and supply chains disrupt payment patterns. No human team can manually monitor every signal at this scale and that is exactly where AI and automation bring real, measurable value.
WE DESIGN BOTH TO WORK TOGETHER: AUTOMATION FOR SCALE AND CONSISTENCY, AI FOR FORESIGHT AND HUMANS FOR JUDGMENT.
Many global companies adopt different automation tools based on their operational priorities: GETPAID; an accounts receivable and collections management tool owned by FIS; is widely chosen for its strong collections module tells teams which customers to prioritize. It can be implemented faster than many other systems which help companies see improvements much quicker; SAP FSCM; credit management module within SAP that centralizes credit checks and risk evaluation; is preferred by companies that already use SAP because its credit management and real time checks are built directly into the SAP system, making daily processes easier to control and coordinate, while companies choose HighRadius; an AI driven order to cash automation platform that improves cash forecasting and reduces manual finance work; is chosen because it helps companies predict cash flow more accurately, spot problems earlier, and automate tasks more intelligently than standard ERP systems can. At the end of the day, no matter which platform they choose, all companies are ultimately chasing the same goals: minimum risk, maximum productivity and maximum cash flow.
22 | ADMISI - The Ghost In The Machine | Q1 Edition 2026
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