Your electronic invoices reveal a lot about your customers

A new data stream that has yet to be fully tapped

Electronic invoicing generates a continuous flow of customer and payment data. For most wholesalers, it remains a compliance issue.

• Data with no business value

  PA data streams are coming in, but few wholesalers are able to turn them into useful metrics.

  DATA

• Fragmented data

  Customer data and invoices scattered across entities, regions, and ERP environments.

  ERP

• No portfolio view

  It's difficult to assign each invoice to the correct customer group and obtain a consolidated view.

  GROUP

• Ignored Warning Signs

  E-invoicing signals are of little use in predicting late payments and emerging credit risk.

  RISK

• Siloed teams

  The Finance, Credit, and Sales departments do not share a common understanding of customer payment behavior.

  TEAMS

• An Untapped Opportunity

  Compliance is becoming mandatory, but the opportunity to influence credit decisions and collections remains to be seized.

  CASH

• 1

  Buyer's Document Processing Speed

  _{SUBMITTED → MADE AVAILABLE}

  A gradual increase in processing time indicates organizational strain at your client’s company, which can be detected before any incidents occur in the ERP system.

• 2

  Buyer's SI Integration Speed

  _{PROVISION → HANDLING}

  A growing backlog indicates overburdened accounting teams, which is often a sign of impending difficulties.

• 3

  The Dispute, Before the Delay

  _{IN DISPUTE - STRONG SIGNAL}

  The most comprehensive credit signal in the reform: structured rationale and expected action. It reveals a commercial disagreement before any payment delay occurs. Frequency and reasons indicate the deterioration of the relationship.

  Not visible in the vendor's ERP system
• 4

  Repeated refusals

  _{DECLINED × n}

  Repeated rejections for the same customer (unknown transactions) may indicate a termination of the business relationship or an attempted fraud. Sellia cross-checks this information with your ERP data.

• 5

  Promise vs. Actual Payment

  _{APPROVED → PAYMENT SENT - STRONG SIGNAL}

  The gap between the commitment to pay and the actual payment. A gradual deterioration over 3 to 6 cycles is a predictive signal of default.

  Not visible in the vendor's ERP system, which only shows the payment receipt date
• 6

  Reconciliation Discrepancies

  _{CASH RECEIVED ↔ ERP D+1 - STRONG INDICATOR}

  Sellia already receives your payments on D+1 via your ERP. Cross-checking this with the “CASH RECEIVED” status detects reconciliation discrepancies, which indicate cash flow strain on the customer’s end.

  Unique Intersection: ERP ↔ PA