{"id":2697,"date":"2021-05-11T14:05:07","date_gmt":"2021-05-11T12:05:07","guid":{"rendered":"https:\/\/devstage.bix-consulting.com\/?p=2697"},"modified":"2023-06-16T12:01:20","modified_gmt":"2023-06-16T10:01:20","slug":"vorhersage-von-zahlungsausfaellen","status":"publish","type":"post","link":"https:\/\/www.bix-consulting.com\/en\/vorhersage-von-zahlungsausfaellen\/","title":{"rendered":"Prediction of payment failures"},"content":{"rendered":"

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Herausforderung<\/h4>\n

Ein in europaweit agierendes Unternehmen bietet Tankkarten f\u00fcr seine ca. 250.000 Gesch\u00e4ftskunden an. Das Gesch\u00e4ftsmodell beinhaltet f\u00fcr das Unternehmen ein hohes finanzielles Risiko, da es prozessbedingt in Vorleistung (Kostenabgang vor Zahlung des Endkunden) geht. Die H\u00f6he der Vorleistung betr\u00e4gt pro Monat einen 10-stelligen Betrag! Ziel muss es demnach sein, die Wahrscheinlichkeit eines Zahlungsausfalls zu minimieren.<\/p>\n

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Unser L\u00f6sungsansatz<\/h4>\n

biX Consulting hat auf Basis von KI ein Modell entwickelt, welches die Problematik der Kundenbewertung deutlich optimiert. Im Rahmen von Big Data werden sekundenschnell interne sowie externe Daten zusammengef\u00fchrt, verarbeitet und daraus eine verl\u00e4ssliche Aussage zur Bonit\u00e4t des (Neu)-Kunden getroffen. Mit dieser L\u00f6sung wird die Wahrscheinlichkeit des Ausfallsrisikos elementar reduziert.<\/p>\n

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Herausforderung<\/h4>\n

Durch Zahlungsausf\u00e4lle bei Kunden entgehen nicht nur Einnahmen, sondern es werden sogar direkt Verluste verursacht, da Vorleistungen nicht bezahlt werden. Die Klassifizierung der Kunden in entsprechende Rating-Klassen basiert meist auf externen Datenquellen und f\u00fchrt nur zu einem begrenzten Erfolg.<\/span><\/p>\n

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Unser L\u00f6sungsansatz<\/h4>\n

Basierend auf den historischen Rechnungs- und Stammdaten wird f\u00fcr jeden Kunden ein Zahlungsprofil erstellt und per Algorithmus vorhergesagt, ob es innerhalb des frei definierten Zeitraums zum Zahlungsausfall kommen wird. Auf diesem Modell basierend werden die ben\u00f6tigten Sicherheiten, Zahlungswege, etc. des Kunden optimiert, damit sie dem statistisch ermittelten Risiko Rechnung tragen.<\/p>\n

Mit den biX AI Tools kann der L\u00f6sungsansatz vollst\u00e4ndig in Ihr SAP System integriert werden.<\/p>\n

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Ihr Nutzen<\/h4>\n

Das Risiko von Zahlungsausf\u00e4llen wird merklich reduziert und damit direkte Verluste vermieden. Au\u00dferdem liefert das System ein Kunden-Rating, das sowohl von der Finanzabteilung als auch von Auditoren\/Regulierern gepr\u00fcft und nachvollzogen werden kann.<\/span><\/p>\n

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Predicting payment defaults by developing a customer payment profile to reduce the risk of payment defaults<\/p>","protected":false},"author":6,"featured_media":2825,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"iawp_total_views":12,"footnotes":""},"categories":[32],"tags":[43,39,26,45,29,31,48,40,120,116,117,38,27,44,41,50,42,49,46,47,118,121,119,115],"class_list":["post-2697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-use-cases","tag-beratung","tag-big-data","tag-bix","tag-bix-beratung","tag-bix-consulting","tag-bix-sap","tag-consulting","tag-data-science","tag-futuretelling","tag-income-loss","tag-loss","tag-ratingen","tag-sap","tag-sap-beratung","tag-sap-bw","tag-sap-consulting","tag-sap-hana","tag-sap-solutions","tag-service","tag-solution","tag-verlust","tag-vorhersage-von-zahlungsausfaellen","tag-vorhersoga","tag-zahlungsausfaelle"],"modified_by":"admin","_links":{"self":[{"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/posts\/2697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/comments?post=2697"}],"version-history":[{"count":0,"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/posts\/2697\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/media\/2825"}],"wp:attachment":[{"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=2697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=2697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bix-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=2697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}