ERP systems record financial transactions. Credit management software helps credit teams act on them. While ERP platforms like SAP, Oracle or Microsoft Dynamics store invoices, payments and customer data, they are not designed to prioritise collections work.
“Late payments rarely appear suddenly. They start with signals in the invoice-to-cash process, signals that credit teams can spot earlier. Late payments are rarely the real problem. They are the result of something in the process breaking down,” explains Willand Brienen, Product Manager at Onguard and former credit manager.
Late payments increased again. Data became both the biggest opportunity and the biggest headache. AI moved from “a nice to have” to a daily reality. And Belgium decided to shake up invoicing rules just to keep everyone alert. If 2025 showed one thing clearly, it’s this: credit management is no longer just about collecting invoices. It’s about data, trust, and the systems behind it.
The surge in popularity of ChatGPT in late 2022 has put AI in the spotlight for its potential to streamline work processes in every business, including the finance sector. How do organisations perceive and leverage AI to optimise their processes and what is the role of the finance professional in this landscape?
APIs are an important part of many modern software applications and can be a powerful tool for building complex and integrated systems.
Using credit management software makes it possible to bring together all customer information and generate a comprehensive customer profile.