{"id":20535,"date":"2024-09-02T09:00:41","date_gmt":"2024-09-02T07:00:41","guid":{"rendered":"https:\/\/www.atriga.com\/?p=20535"},"modified":"2025-09-30T12:01:17","modified_gmt":"2025-09-30T10:01:17","slug":"the-new-world-of-receivables-management-forecasts-processes-and-perspectives","status":"publish","type":"post","link":"https:\/\/www.atriga.com\/en\/company\/atriga-up-to-date\/news\/the-new-world-of-receivables-management-forecasts-processes-and-perspectives\/","title":{"rendered":"The new world of receivables management \u2013 forecasts, processes and perspectives"},"content":{"rendered":"
[vc_row full_width=”stretch_row” remove_bottom_col_margin=”true” bg_type=”bg_color” bg_color_value=”#e9eef4″ el_class=”header-pic”][vc_column css=”.vc_custom_1573046173484{background-image: url(\/wp-content\/uploads\/2019\/09\/header-grafik-atriga-news.jpg?id=6602) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}” min_height=”200px”]atriga News<\/span><\/span>[\/vc_column][\/vc_row][vc_row remove_bottom_col_margin=”true”][vc_column width=”2\/3″ css=”.vc_custom_1566994559772{background-position: 0 0 !important;background-repeat: no-repeat !important;}”][vc_row_inner][vc_column_inner]

The new world of receivables management \u2013
\nforecasts, processes and perspectives<\/span><\/h3>

Economic uncertainty among consumers:
\nthis is how credit agencies assess the situation.<\/span><\/h1>[vc_empty_space][vc_column_text css=””]In a time of multiple crises, increasing economic uncertainty and the rising cost of living, consumers and companies are facing completely new challenges. The latest analyses by the leading German credit agencies paint a clear picture: the financial situation of many households is tense, and this – in addition to the statutory regulations – also has a considerable impact on debt collection and receivables management.In this series of articles, we shed light on current topics and trends in the industry. We also show how atriga is helping to overcome these challenges as a pioneer through technological innovation and digital transformation, particularly generative AI<\/strong>.<\/strong>
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SCHUFA: financial worries of consumers<\/h4>\n

According to a recent survey by SCHUFA, two thirds of Germans are worried about the future. Low-income households are particularly affected as they have difficulties paying their bills and loans. High inflation and rising energy prices are placing a considerable burden on many households, which are therefore having to drastically reduce their expenditure. Anxiety about the future is consistently high and remains at the same level as the previous year. Although slightly more people are able to build up reserves than in the fall of the previous year, there is still a clear divide between income groups.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_column_text css=””]\n

CRIF: high inflation and financial uncertainties<\/h4>\n

CRIF confirms these findings and emphasises that 78 percent of Germans have financial worries. Almost half of those surveyed stated that the rising cost of living is making it difficult to manage their finances. A third of respondents even expect their financial situation to deteriorate in the coming year. Many Germans have reduced their spending in non-essential areas such as streaming subscriptions and food deliveries. 33 per cent have reduced their spending on groceries, energy and car use, while 24 per cent have changed or even cancelled their holiday plans. 16 per cent of respondents are relying on new loans to get a grip on their financial situation.[\/vc_column_text][vc_empty_space][vc_column_text css=””]\n

atriga Managing Director Christoph Ruoff: “Leading German credit agencies agree: the financial situation of many households is tense and will remain so in the long term. Now is the time to rethink receivables management! Innovative approaches such as atriga<\/em><\/strong>GenAI<\/em> for receivables management make this possible.”<\/em><\/strong><\/p><\/blockquote>\n[\/vc_column_text][vc_empty_space][vc_single_image image=”7864″ css=””][vc_empty_space][vc_empty_space][vc_column_text css=””]\n

Dr. Frank Schlein: adjustment and savings<\/h4>\n

Dr. Frank Schlein, Managing Director of CRIF Germany, comments on the survey results as follows: “The continuing high level of inflation is affecting the financial situation and consumer behavior of Germans. Our survey results show that the population is highly sensitive to financial matters. In the coming months, Germans expect to make further adjustments to their saving and spending behavior. In addition, many also expect financial restrictions and losses in the coming year. These expectations are due to the existence of not just one, but several parallel crises. Many consumers not only want to save, but also feel compelled to make savings.”[\/vc_column_text][vc_empty_space][vc_column_text css=””]\n

Dr Frank Schlein, Managing Director of CRIF Germany: “Many consumers not only want to save money, but also feel compelled to make savings.”<\/em><\/strong><\/p><\/blockquote>\n[\/vc_column_text][vc_empty_space][vc_column_text css=””]\n

Creditreform Boniversum: low earners particularly affected<\/h4>\n

Creditreform Boniversum also points to the increasing financial burdens. A representative survey shows that 37 per cent of Germans expect their financial situation to deteriorate over the next twelve months. Many consumers are demanding more support from their banks in order to overcome these challenges. The focus here is on customised help and digital solutions to improve financial planning and provide early warning of financial bottlenecks.[\/vc_column_text][vc_empty_space][vc_column_text css=””]\n

Ernst & Young: pessimism and adaptation in consumer behaviour<\/h4>\n

A study by EY shows that many consumers are pessimistic about the future. Around 90 per cent have adjusted their spending behaviour due to high inflation, and many are foregoing major purchases such as cars and furniture. Although purchasing power increased slightly in the last quarter of 2023, optimism remains subdued. EY Germany boss Henrik Ahlers comments: “For many people in Germany, crisis mode is becoming the new normal. However, there is some hope: Inflation is currently falling more sharply again. This means that consumers’ purchasing power rose again for the first time last quarter, with wages increasing more strongly than consumer prices.”[\/vc_column_text][vc_empty_space][vc_column_text css=””]\n

Henrik Ahlers; CEO of EY Germany: “For many people in Germany, crisis mode is becoming the new normal.”<\/em><\/strong><\/p><\/blockquote>\n[\/vc_column_text][vc_empty_space][vc_column_text css=””]\n

How is the industry reacting? What can generative AI do?<\/h4>\n

The financial situation of many German households will remain tense in the long term, and the facts and figures paint a clear picture. In the following articles in this series, we will take a closer look at how the analyses affect debt collection and receivables management. And we will look at the role of generative AI in debt collection and receivables management and show how atriga is pioneering the new world of receivables management through a profound digital transformation through atriga<\/strong>GenAI for receivables management.[\/vc_column_text][vc_empty_space][vc_empty_space][vc_row_inner content_placement=”middle” css=”.vc_custom_1759226013818{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;background-color: #f7f7f7 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #a71f1f !important;}”][vc_column_inner width=”1\/3″][vc_single_image image=”20517″ css=””][\/vc_column_inner][vc_column_inner width=”2\/3″][vc_column_text css=”.vc_custom_1759226489691{border-radius: 2px !important;border-color: #a71f1f !important;}”]Would you like to get to know atriga<\/strong>GenAI for receivables management in a personal live presentation? Simply use our contact form<\/a> with the keyword atriga<\/strong>GenAI and we will arrange a personal presentation appointment with you.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”20″][vc_row_inner visibility=”hidden”][vc_column_inner][vc_empty_space height=”32″][vc_column_text css=”.vc_custom_1740126248379{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #f7f7f7 !important;}”]The new world of receivables management \u2013 forecasts, processes and prospects<\/strong><\/p>\n

As part of this article series, atriga is highlighting current trends and developments in the industry in free succession – from technological innovations and digital transformation to generative AI, white label services, software-as-a-service (SaaS) and business process outsourcing (BPO).<\/p>\n

Futher articles:
\nThe old rules of the game have had their day<\/span><\/strong><\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”20″][vc_row_inner][vc_column_inner][vc_column_text css=””]Sources [german]:<\/strong><\/small>
\nwww.schufa.de\/themenportal\/verbraucherumfrage-2023\/index.jsp<\/a><\/small>
\nhttps:\/\/www.crif.de\/en\/pr-events\/pressemitteilungen\/2023\/november\/15\/umfrage-zeigt-mehrheit-der-deutschen-beunruhigt-ueber-finanzielle-zukunft<\/a><\/small>
\nhttps:\/\/www.boniversum.de\/aktuelles-studien\/schuldner-atlas<\/a><\/small>
\nhttps:\/\/www.ey.com\/de_de\/news\/2023\/011\/grossteil-der-bundesbuerger-blickt-pessimistisch-in-die-zukunft<\/a><\/small>
\nEY Verbraucherstimmung 2024:<\/small>
\nhttps:\/\/assets.ey.com\/content\/dam\/ey-sites\/ey-com\/de_de\/news\/2023\/01\/ey-verbraucherstimmung-2023.pdf<\/a><\/small>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner][vc_column_inner][vc_raw_html css=””]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/3″ el_class=”testimonial-pic”][vc_row_inner][vc_column_inner][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjIlMjMlMjIlM0U=[\/vc_raw_html]

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\u201eInnovations optimize your receivables management. Subscribe to the atriga newsletter and be the first to know!\u201c<\/p>\n<\/div><\/div>

\n
\"Lasse<\/div>
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Lasse K\u00fchl<\/div>\n\n
\n\n\t\n\t\tHead of Customer Care\n\t\n<\/div><\/div><\/div><\/div><\/div><\/div>[vc_raw_html]JTNDJTJGYSUzRQ==[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner]