article thumbnail

Are Commercial Credit Bureau Reports Enough?

Trade Credit & Liquidity Management

In this data-driven economy, risk assessment demands more than simply evaluating whether a customer will pay their bills. To truly understand and manage credit risk today, modern companies must look beyond the basics and leverage new technologies, alternative data, and broader information sources.

article thumbnail

The Misunderstood Metric: A Closer Look at an Underrated Business Indicator

Finextra

Why late payment trends require closer scrutiny Research released in March 2025 showed that late payments are a widespread problem. In fact, 31% of the respondents said they’ve seen late payments increase in the last 12 months. I’d argue that DBT remains one of the most underused financial indicators in businesses today.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Trending Sources

article thumbnail

Holiday Rebound: Apparel Retailers Drive Sales With Flexible Payment Options

PYMNTS

A recent analysis found that interest-free installment payment plans appeal to these consumers, in part because they offer the financial flexibility to buy more expensive purchases without taking on traditional credit risks.

BNPL 77
article thumbnail

Fundbox Pay Expands To B2B Marketplaces

PYMNTS

For those firms seeking access to credit, lenders will often start with the SMB principal’s FICO score or tax returns from the past few years, which can be an inefficient barometer of credit risk. As a result, many small businesses find their credit needs unmet, namely in the form of being able to finance their payments.

B2B 63
article thumbnail

UK Credit Market Report June 2021: Spending Tops 2019 Level

FICO

Lenders will be keeping a watch on the impact all these factors have on their customers and any changes in payment trends as early indications of financial stress. Higher levels of savings may also continue to blur the picture of those negatively impacted by the winding down of the furlough scheme and further business closures.

article thumbnail

UK Credit Report: Early-Stage Delinquencies Rise

FICO

With the end of the furlough scheme and ability to request payment deferrals approaching, along with the introduction of the Job Support Scheme in November as well as the usual increased spending for Christmas, it’s likely that payment trends will continue to be impacted for many months.

Issuers 52
article thumbnail

UK Credit Report: Early-Stage Delinquencies Rise

FICO

With the end of the furlough scheme and ability to request payment deferrals approaching, along with the introduction of the Job Support Scheme in November as well as the usual increased spending for Christmas, it’s likely that payment trends will continue to be impacted for many months.

Issuers 40