Payment behavior drift skill

You can use the Payment behavior drift skill to find customers with a changed payment behavior, such as paying slower or with more overdue invoices.

The skill compares customer payment behavior between two periods (for example the last 6 months compared to the prior 6 months) and ranks all customers by how much their behavior has shifted.

The skill returns:

  • A watch list with a few customers drifting, that may be worth acting on
  • Full ranking of all qualifying customers
  • A methodology footer with the exact numbers used

The skill is read-only, and doesn’t modify anything in Business NXT.

Typical use cases:

  • Quarterly AR review before a meeting with the leadership team or the finance director
  • Before extending new credit to an existing customer
  • After a reminder round to assess whether reminders hit the right customers
  • When a controller or managing director asks "Which of our customers are a risk right now?"

The skill isn’t intended for single-customer analysis such as "How does customer X pay?". For that, ask Claude directly without invoking the skill.

Prerequisites

  • You need to know the companyNo for the client to be analysed.

Using the skill

You can type your prompts in English or Norwegian - the reply comes back in the same language.

You don’t need to enter the company name, just the companyNo.
Desired outcome Prompt
Standard analysis which customers are paying slower at [companyNo]?
Stricter threshold watch list over 0.5 for [companyNo]
Shorter period (quarterly) run drift on [companyNo] with 3-month windows
Historical period use 2023-09-07 as anchor for [companyNo]
High-volume customers only [companyNo] with minimum 25 invoices per window
Anonymised (for demos or external reports) ... anonymize customer names

Example: Which customers are paying slower at 7844257 - use 2023-09-07 as anchor

Understanding the result

The watch list at the top is the most important - the few customers drifting most. The rest of the table shows the full picture, if you’re interested in the details.

Key fields in the table:
Parameter Description Comment
Drift score Composite metric Above +0.30 = worth looking at; above +0.70 = call or meet the customer.
Δ DSO (days) Change in average days from invoice date to payment date +10 means the customer takes 10 days longer to pay than in the prior period.
Δ Late% (pp) Change in share of invoices paid after the due date +25 pp means 25 percentage points more often late.
Δ Volume Change in invoice count A volume drop often means the customer is winding down activity.

Specific signals to look for:

  • 100% late-rate in the recent window - state change, call directly
  • Volume drop PLUS rising DSO - double signal; the customer is likely on their way out
  • Rising credit-note ratio - drift score may be underestimated; actual behavior could be worse
  • Improvers (negative drift score) can also be worth a quick look. If a customer suddenly pays 22 days faster, someone in their accounting probably switched to OCR or Visma AutoCollect - worth telling sales about.

The result is delivered in a markdown table - if you want a file to bring to a meeting, you can ask for "...and deliver as Excel".