Credit Automation logo

Credit Automation

by Emagia · Since 1998
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ActiveAvailable globallyCloud
Quick facts
VendorEmagia
Year launched1998
StatusActive
Location4701 Patrick Henry Dr., Building 20, Santa Clara, CA 95054, USA
Countries servedGlobal
Languages20
Integrations6+
Free tierN/A
Free trialN/A
Contact salesYES

About Credit Automation

Credit Automation is a software platform from Emagia that supports efficient credit management processes. It combines automated credit assessment, risk scoring, and customer segmentation to help organizations manage credit risk effectively. The platform provides real-time insights into customer creditworthiness, enabling informed decision-making. By automating repetitive tasks, it reduces manual effort and increases accuracy in credit evaluations. Key capabilities: automated credit assessments risk scoring customer segmentation real-time reporting integration with financial systems Best for: finance teams that need to simplify credit management and risk assessment tasks.

Emagia’s Autonomous Order-to-Cash (O2C) platform modernizes finance operations through its “3A trifecta” of Automation, Analytics, and AI. Covering the full credit-to-cash lifecycle, it includes Credit Risk Management for same-day B2B credit decisions and Cash Application Management with high auto-match rates, reducing manual effort. AI assistants like GiaGPT for financial analysis and GiaDocs AI for intelligent document processing enable end-to-end cognitive automation, improving cash flow visibility and working capital efficiency. Designed for global enterprises, the platform supports multi-currency, multi-entity, and multi-language operations. Emagia has processed over $900 billion in AR, delivering benefits such as a 20%+ reduction in Days Sales Outstanding (DSO) and up to 50% increased collector productivity. Pre-packaged integration with major ERPs like SAP, Oracle, NetSuite, and MS Dynamics ensures centralized management and smooth data flow across legacy systems, supporting consistent global processes. The cloud-based solution allows anytime, anywhere access, minimizing IT overhead and enabling rapid deployment. Licensing and subscription costs are custom and not publicly listed. Organizations can contact Emagia directly via Contact Us or Request Demo for tailored pricing based on volume and required modules.

Pros & Cons

Pros
  • Automates entire Order-to-Cash cycle to significantly reduce manual work
  • Provides AI-driven credit scoring and risk assessment for better decision-making
  • Enhances cash flow visibility and forecasting using predictive analytics
  • Offers specialized modules like deductions and collections management for focused efficiency
  • Provides digital self-service portals for customers to manage invoices and payments
Cons
  • May require significant IT infrastructure and resources for full deployment in large enterprises
  • AI predictions depend heavily on data quality; poor data can reduce effectiveness
  • Not ideal for small or mid-market businesses due to enterprise-focused scope
  • Some advanced modules like GiaGPT and GiaDocs AI may need technical expertise to leverage fully

Features

Key features

Credit Risk Automation

Uses AI to enable same-day B2B credit decisions and minimize bad debts

Receivables Automation

Provides a consolidated view of accounts receivable and tracks payment trends

Collections Management

Automates task prioritization, customer outreach, and dispute resolution

Cash Application Automation

Matches invoices and payments across multiple formats and currencies for faster processing

Deductions Management

Tracks and manages claims and deductions efficiently

Cash Flow Forecasting

Uses predictive analytics to provide accurate forecasts of cash flow

Customer EIPP Portal

Provides electronic invoice presentment and payment portal for customers

Advanced Analytics

Generates dashboards and predictive insights for finance operations

Multi-ERP Integration

Integrates with SAP, Oracle, JD Edwards, PeopleSoft, NetSuite, Microsoft Dynamics

Multi-Currency & Multi-Site Support

Manages global receivables across multiple currencies and business units

Additional features

Credit Risk Management

Monitors customer credit and scores for better decision-making

Accounts Receivable Management

Tracks AR portfolio, DSO, disputes, and payment patterns

Collections Management

Automates collection tasks, prioritizes efforts, and resolves disputes

Deductions Management

Automates processing of claims, short pays, and deductions

Cash Application Management

Accelerates invoice matching and cash posting

Cash Flow Forecasting

Predicts future cash flows using AI and historical data

Customer EIPP Portal

Offers customers a platform to view invoices and make payments electronically

Advanced Analytics

Provides actionable insights through dashboards and reporting

Emagia AI

AI-powered decision-making for all finance operations

GiaPay

B2B payments orchestration platform

Gia AI

Digital finance assistant for operational efficiency

GiaGPT

Generative AI for finance tasks

GiaDocs AI

Intelligent document processing for automated data extraction

Multi-Currency & Multi-Site

Supports global business operations

ERP Integrations

Connects seamlessly with major ERP systems

Pricing

Free trial
Free version
Request a quote
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Countries & Languages

Global
Countries served
20
Interface languages
15
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseDutchSwedishNorwegianFinnishDanishPolishCzechHungarianRussianTurkishArabicChineseJapaneseKorean.

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇦🇺AUD🇨🇦CAD🇯🇵JPY🇨🇭CHF🇨🇳CNY🇲🇽MXN🇸🇬SGD🇮🇳INR🇭🇰HKD🇧🇷BRL🇰🇷KRW🇸🇪SEK

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