Ein Ansatz zur Verbesserung der Steuerung des Zahlungsausfallrisikos im E-Commerce (B-to-C)

In recent years, the situation of e-commerce in Germany especially in the retail sector has not only been characterized by a sustained growth in sales but also by an increase in deficits in payment. Companies considering a general exclusion of risky payment methods to be suboptimal are challenged by an adequate assessment of their prospective customers’ risk of payment default. Thereby, inability and unwillingness to pay has to be considered as possible reasons on a transactional basis and in real-time. This paper presents a new approach combining common methods for risk identification and assessment. Case studies show that a more sophisticated risk control can be achieved by applying the approach presented.