When Credit Evaluation Meets AI: The Shift from Effort to Intelligence (English Version)

We are pleased to share an insightful article, "When Credit Evaluation Meets AI: The Shift from Effort to Intelligence," which explores how artificial intelligence is transforming traditional credit assessment from a labour-intensive process into a smarter, faster, and more predictive discipline.

As data volumes grow and risk landscapes evolve, AI is no longer optional — it is becoming essential for accuracy, efficiency, and competitiveness in credit management. This article highlights how AI-assisted Excel VBA automation can transform DSO calculation from a labour-intensive manual process into a fast, accurate, and scalable solution.

The article is authored by Mr. Raymond Lam, FCCA, FCA, CCP, Executive Councilor of HKCCMA and Executive Director of Omron Hong Kong Ltd., as well as the recipient of the HKCCMA 2022–2023 Credit Management Excellence Award, bringing both industry leadership and practical insight to this important topic.