Such a system can be applied to answer corresponding queries, e.g., the payment behaviour of customers could be verbalised. Likewise, such a solution can be used to explain to customers whose orders are only processed against cash payment why this is the case. In complex application situations, where financing components, their term and prices depend on the prospective customer or customer risks, it would be possible for the system to explain the respective results of a corresponding simulation or to make alternative proposals. This would be a field of application for leasing or credit insurance companies, for example.
If there is sufficient training data, an annual financial statement analysis could also be explained verbally, or the examiner could ask the system for details and their justification in a dialogue. Taking these presentation possibilities, a step further, new forms of dialogue systems for decision support would be conceivable. The decision-maker asks about unusual situations that could represent a risk in the customer data. The system presents such cases and explains which risks are present based on the identified patterns. Going even one step further in the training, suggestions for solutions, e.g., for limiting or reducing the risks, could also be integrated. Likewise, it would be possible for the system to learn with the algorithms used with an assessment of the proposed solutions by the decision-makers. All in all, this could significantly advance decision support, especially for large customer portfolios. In the case of fully automated decisions, the affected parties could be informed directly if necessary. This would also be a gain in efficiency compared to the status quo.
Alongside direct risk assessments and decisions, the processing of complaints in relation to the handling of accounts receivable is also of considerable importance. In this area, chatbots could also control communication with customers or suppliers and thus contribute to streamlining and faster clarification of such processes.