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 tier
Free trial
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

What users like
  • +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
What users flag
  • 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
Promo Offer

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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