Fintech & Finance Operations// topic
Getting paid: receivables, cash application and dunning
In short
The other direction of the invoice — how remittances get matched to open invoices, how collections outreach gets sequenced without wrecking the customer relationship, and where credit limits, disputes and short payments get decided.
5 pages
definitions
- A promise to pay is a record with an expiry, not a note in a CRMAmount, date, invoices covered, channel, evidence, state. Six fields turn a collections commitment from a memory aid into something a system can act on.definition6 min
- Unapplied cash: money you have, against invoices you cannot nameMoney in the bank that no open item has been matched to. The balance is not an accounting curiosity — it overstates aging, misdirects collections, and hides disputes inside a number nobody owns.definition8 min
diagnostics
- One payment, forty invoices, no remittance adviceA bank credit that matches no invoice total is rarely a mystery. It is a payer you have not resolved and a subset of open items nobody has enumerated — and when 2 subsets fit, the correct answer is to apply neither.diagnostic11 min
- Payments arrive short by small amounts and break every auto-matchChronic small shortfalls have 4 causes with 4 different owners, and the shape of the delta tells you which one you have long before anyone picks up the phone.diagnostic10 min
- Your reminder emails are read by nobody: where the sequence actually breaksBefore rewriting the copy, prove the message reached a human who is allowed to act on it. Most silent dunning sequences are failing at the address, the queue or the missing reference — not at the wording.diagnostic10 min
Other topics in Fintech & Finance Operations
See allInvoice to pay: capture, matching and approvalsEverything between an invoice arriving and money leaving: how documents get captured, how lines get matched to a PO or contract, which checks run before approval, and what an exceptions-first queue looks like when only the genuinely odd invoices reach a human.9 pagesLending: application, decision and the loan book after itThe full credit lifecycle as software — pulling borrower data out of documents, computing the ratios, clearing underwriting conditions by rule, and then servicing, arrears and recovery once the loan is live.4 pages
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