Nutzung von Kundendaten zur Minimierung des Forderungsausfallrisikos im Distanzhandel

Abstract

Using Customer Data to Minimize the Risk of Default in Distance Selling

In distance selling, customers and merchants get together in an anonymous way — at least for the first contact. Merchants have to form an opinion about the credibility of their customers to reduce the risk of defaults to a minimum. Various mechanisms to prevent such risks are known from the banking and insurance industry, e.g. consumer scoring, which is normally based on internal and external data about the credibility and buying patterns of customers. The focus of this article is on customer data with so called negative attributes as well as the ‘value’ of additional data (in particular Marketing data with so called positive attributes). There, especially the area of conflict between the economic necessity from the merchant’s perspective and resulting limitation of informational self-determination of the customer will be discussed.