Credit On The Go

This podcast features a discussion between Trade Credit & Liquidity Management’s Bob Shultz and Amartya Singh, CEO and CFO of FinFloh, focusing on the persistent challenges companies face in managing the order-to-cash (O2C) process. Fragmented systems and the high cost and complexity of ERP customization create opportunities for AI and better system integration to modernize O2C processes. Singh explains that while traditional ERP systems handle some aspects of O2C, such as invoicing, payment application, and ledger management, they often fall short of providing full transparency and automation. Many critical functions, such as customer contact management, reside in separate systems (e.g., a CRM solution) leading to data silos, manual intervention, and process errors.

There is a growing openness among finance teams to adopt artificial intelligence (AI) and machine learning (ML) tools. Increasingly recognized for their potential to improve efficiency, reduce errors, and enhance decision-making in credit and collections management, AI/ML are being used to automate credit risk assessment and deliver actionable insights directly within the CRM, allowing users to make informed decisions without disrupting established workflows.

For more on this topic, check out Get Paid Faster: Adopt an AI Solution That Integrates Credit Decisions into Your CRM

Amartya Singh is the CEO & CFO of FinFloh, a modern finance tech firm that leverages AI (predictive/generative), ML, ERP-CRM native synchronization, and market intelligence to transform credit decisions and streamline the entire accounts receivable and quote-to-cash lifecycle.

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

Get ready for a front-row seat to the transformation of business information. In this episode of Credit on the Go, host David Schmidt sits down with Rich Ferrara, former Dun & Bradstreet executive and business data consultant, to unpack how digital innovation, AI, and fintech are reshaping the industry. Discover why the explosion of new data vendors and emerging use cases, from credit and supplier risk to KYC and fraud prevention, compliance, and B2B marketing, are changing how companies assess risk and find new customers. Whether you’re a credit professional, business analyst, or just curious about the future of business data, you won’t want to miss these insider insights on the trends and tools redefining this marketplace.

For more information on this subject, check out these TCLM posts:

* Analysis of the Expanding Business Information Marketplace

* Commercial Fraud Prevention in the Digital Age

* Know Your Customer as Well as They Know You

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

Welcome to another episode of the Credit on the Go podcast, brought to you by the Trade Credit and Liquidity Management (TCLM) newsletter. In this episode, we’re continuing the discussion of how shifting consumer spending trends are shaping the financial performance of companies across industries in the United States. Joining Bob Shultz is Paul Hill, CEO of JSI Analytics, whose expertise and proprietary data suite offer a uniquely granular look at how inflation, interest rates, and income disparities are driving changes in consumer behavior, and what that means for businesses, credit professionals, and decision-makers. Building upon consumer spending trends and their business impact, Bob and Paul delve into:

* How spending habits differ dramatically between low, middle, and high-income households, and how these differences translate into risks and opportunities for businesses targeting each segment to guide marketing decisions, product offerings, and broader business strategy

* Which industries and types of businesses are currently benefiting from, or being challenged by, these shifting consumer patterns

* How the latest data can inform credit risk management, cash flow planning, and accounts receivable strategies for credit executives, treasurers, and CFOs

Whether you’re managing risk, planning strategy, or simply trying to keep pace with a rapidly changing economy, this conversation will provide actionable insights to help you navigate today’s challenges and spot tomorrow’s opportunities.

Here’s the previous episode: Inside the Numbers: Part 1 - What Does Consumer Spending Data Tell Us About the Future of Business?

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This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

In this episode of the "Credit on the Go" podcast, sponsored by the Trade Credit and Liquidity Management newsletter, host Bob Shultz welcomes Paul Hill, CEO of JSI Analytics, to explore how shifting consumer spending trends are influencing the financial performance of companies across the United States. Drawing on JSI's proprietary data and analytic tools, the discussion delves into how inflation and rising interest rates are reshaping purchasing behaviors across different income groups, impacting everything from credit risk to business planning. Listeners will gain insights into how these trends are creating both challenges and opportunities for suppliers and lenders navigating today's uncertain economic landscape.

Here’s the continuation of this discussion with Paul Hill: Inside the Numbers: Part 2 - How Inflation and Interest Rates Are Reshaping U.S. Industries

If you’ve enjoyed reading this newsletter, please consider sharing it with your staff and colleagues.

Editorial Opportunities:

Have insights to share? Get featured in TCLM. Contact us about contributing!

Advertising Opportunities:

Your audience is here: thousands of corporate trade credit, treasury, and finance professionals. TCLM is where quote-to-cash decision-makers engage with the latest trends and insights. Put your brand in front of the right people at the right time. Advertise with us!

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

In this Credit on the Go podcast, Bob Shultz interviews Bruce Lynn, the COO of the Financial Executives Networking Group (FENG). Bruce is an expert in working capital management, with a long history in this area, as a consultant and conference speaker. The discussion centers on the increasing importance of working capital in today's economic climate. The point is made that a company’s working capital is not just about profits but about how to maintain adequate liquidity and cash flow. Though the responsibility for this crucial function should ideally fall to a dedicated VP of Working Capital or the Treasurer, the conversation highlights that effective working capital management is a "team sport" involving various departments like credit, sales, accounting, and treasury. They also cover the importance of frequent monitoring, potentially on a daily or weekly basis, the role of AI-driven technology for data analysis and operational transparency, and the need for caution against an over-reliance on tech without proper context and metrics. The discussion concludes with an examination of how banks view a company's working capital management when making lending decisions, suggesting that building internal cash reserves may be increasingly important.

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Your audience is here: thousands of corporate trade credit, treasury, and finance professionals. TCLM is where quote-to-cash decision-makers engage with the latest trends and insights. Put your brand in front of the right people at the right time. Advertise with us!

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

In this episode, we explore the keys to a productive relationship between Credit and Sales. When Sales and Credit are misaligned, there will be conflicts that affect both cash flow and your bottom line. Credit’s job is to facilitate a profitable sale. That means rather than stop sales to high-risk accounts, credit should find ways to make the sale without incurring undue exposure. Sale’s goal should be the same: a profitable sale.

When the two functions are aligned with everybody working together toward the same goal, everything goes more smoothly, hiccups in the quote-to-cash process are resolved more easily and quickly, and the customer experience is enhanced. The sales rep’s job is easier when they are informed that a customer is past due or disputing invoices. It helps them to know which customers have credit availability and who needs to pay before they can get another order, or if a prospect is a high credit risk. Likewise, Credit’s job is facilitated when they understand the sales department’s goals, the impact of new product rollouts, and when the sales rep shares insights about a customer’s operations. Alignment starts with policy and is facilitated by mutually beneficial practices and good relationships.

If you’ve enjoyed listening to this podcast, please consider sharing it with your staff and colleagues.

Editorial Opportunities:

Have insights to share? Get featured in TCLM. Contact us about contributing!

Advertising Opportunities:

Your audience is here: thousands of corporate trade credit, treasury, and finance professionals. TCLM is where quote-to-cash decision-makers engage with the latest trends and insights. Put your brand in front of the right people at the right time. Advertise with us!

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

In this episode, we discuss how not spending enough time on collection activities is a major drag on collection performance. There are a multitude of issues that cause collections to get superseded by other activities or to be handled ineffectively so that time is wasted. Besides looking at the way time management is a collection performance factor, we also talk about how you can get ahead of the curve. In the next episode, the discussion shifts to collection best practices.

In future War Story podcasts, Bob and Dave will continue the discussion about the productivity traps that create a drag on trade credit and collections, the quote-to-cash process, and cash flow, as well as the proven steps you can take to drive performance to new heights.

If you found this podcast informative, please share it with your colleagues.

Editorial opportunities:

Have insights to share? Get featured in TCLM. Contact us.

Advertise with us:

Your audience is here: with corporate trade credit, treasury, and finance professionals. TCLM is where quote-to-cash decision-makers engage with the latest trends. Put your brand in front of the right people at the right time. Advertise with us!

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe

Enjoy a brief introduction to Trade Credit & Liquidity Management. We’ll explain where we’re coming from and where we’re headed, review the different types of content you can expect, discuss how we will share the ins and outs of managing the order-to-cash process, and deliver deep insights into how cash flow is generated.

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit tradecredit.substack.com/subscribe