Financial-Difficulty

insights  ·  11 min read

The First Missed Payment Is Already Too Late

Banks have traditionally treated financial difficulty as something customers declare or something accounts reveal through arrears. By then the decisive change has often already happened. Income has weakened, essential costs have risen, savings are gone and short-term borrowing has become structural. AI is moving the bank's response upstream, from managing contractual failure to recognizing deterioration early enough to change the customer's trajectory.