SCHUMANN Blog

AI offers great opportunities in credit management, but each task requires the right model. Whether rating forecasts, document creation or information systems: only the right selection, database and implementation enable real gains in efficiency and quality.

Developments in the field of artificial intelligence are advancing at a breathtaking pace. Language models such as GPT and Mistral have long since conquered everyday life – but the next stage is already upon us: agentic AI. Unlike traditional AI systems, which respond purely reactively to inputs, agentic AI systems independently pursue goals, plan intermediate steps and coordinate actions. This new paradigm could fundamentally change credit management.

Rising social security contributions are no longer just a problem for employees – they are hitting companies just as hard. By 2025, total social security contributions in Germany will already exceed 40% of gross wages – and the trend is set to continue. Forecasts indicate figures of over 46% by 2035. But what does this mean in concrete terms for the competitiveness of German companies?

Germany's economy is heavily dependent on global supply chains – whether for energy, rare earths, chips, cloud services or medicines. The current crises show how risky unilateral dependencies can be and how urgently Germany needs its own production capacities in key technologies. Those who identify risks early on and diversify not only strengthen their competitiveness but also their strategic independence.

In times of global uncertainty, disrupted supply chains and increasing financing costs, one theme is becoming increasingly important: supply chain finance (SCF). This article describes how companies can successfully implement supply chain finance, utilize opportunities and control risks.