3 July 2025
Elevating trade credit insurance with
data-driven insights
As businesses start planning their growth strategies for 2026, they face considerable volatility and a challenging outlook for global trade. Findings from the recently published Allianz Trade Global Survey 2025 show that US tariff increases and trade restrictions, announced by the Trump administration on 2 April 2025 (what it referred to as “Liberation Day”), have shaken exporter confidence. Less than half of businesses expect positive export growth in the next 12 months, compared with 80% before Liberation Day, according to the survey. These developments follow already challenging conditions for businesses, characterized by a diverse range of evolving risks, including inflation and currency fluctuations.
Summary
Key takeaways
Diverse data sets drive our insights: Allianz Trade uses diverse data sets – from financial and behavioral data to insights taken directly from companies – to help develop a global risk framework and deliver precise, real-time assessments.
Technology streamlines our processes: Our teams leverage AI and automation to process large volumes of data more efficiently, enabling faster trade credit decision-making without compromising on quality.
Our A-Team makes the crucial difference: The judgment of our expert analysts is at the core of our approach to trade credit insurance. We use data and technology to enhance, rather than replace, human decision-making.
In this complex and fast-changing landscape, successful businesses must be proactive, adopting strategies and innovative solutions to secure their growth amid the uncertainties. Companies are looking for more than just standard protections – they need accuracy, speed, and confidence in their trade credit decisions. With our data-driven and technology-led approach to trade credit insurance, Allianz Trade offers a clear competitive advantage. By combining access to comprehensive and diverse sets of macroeconomic data, including company financial and behavioral data, with the deep market knowledge of our risk specialists, our trade credit solutions empower your business to grow faster and make better-informed decisions.
The power of data in trade credit decision-making
The strength of Allianz Trade’s approach lies in how our experts apply data, as well as the breadth and scale of the data sets we use. Our A-Team of trade risk specialists analyze a broad spectrum of up-to-date company information to assess the creditworthiness of businesses around the world, on an ongoing basis. This includes administrative and financial data, payment behavior, banking and cash flow data, ESG-related risk indicators, and direct input from companies themselves, gathered through open and regular dialog.
These data sets are continuously collated, validated and interpreted by our trade risk specialists, who fully understand global trade and the nuances of different markets, sectors, and the macroeconomic forces at play. This mix of data-driven analysis and expert human judgment allows Allianz Trade to respond quickly and decisively to emerging trade risks, make more accurate decisions about credit limits and policy frameworks, and help businesses stay ahead of shifting market dynamics.
Combining data with human expertise
While data represents an important part of the Allianz Trade approach, it’s only one aspect of our strategy. Our A-Team makes the crucial difference. Cutting-edge technologies, including artificial intelligence (AI) tools, help us process large volumes of data quickly. However, it’s our experienced trade risk analysts who interpret and apply that data in a business context. Based on the ground in markets worldwide, our analysts understand local dynamics and feed their unique insights into a global risk framework.
This combination of data and informed human insights allows Allianz Trade to align our wider understanding of economic and sector trends with a more focused analysis of companies and local conditions. Importantly, our expert analysts maintain contact with many of the businesses we assess, gaining vital qualitative insights that data alone can’t provide. These may include insights around leadership changes, new sales and marketing strategies, or shifts in consumer demand, for example.
Assessing creditworthiness with Allianz Trade Grade
One of the key data analysis tools we use is Allianz Trade Grade – a simple but powerful scoring system that outlines the likelihood of a company defaulting in the next 12 months. On a scale from one (low risk) to 10 (insolvency), it gives companies a clear view of the financial health of their potential trading partners, helping them identify opportunities for growth and make faster and more confident decisions across global supply chains.
Used consistently across all markets, the grade is a trusted benchmark for assessing creditworthiness and determining trade credit insurance coverage. A rigorous evaluation process goes into each score, combining advanced data-driven analysis with the expertise and judgment of our teams.
Using Allianz Trade Grade, our analysts develop clear and consistent risk assessments, resulting in actionable insights for customers. Businesses can then confidently leverage these insights and make better-informed trade decisions – whether that’s exploring opportunities in new markets, extending credit to trading partners, or navigating the challenging environment.
Leveraging AI to enhance the trade credit process
We use advanced technologies like AI to enhance, rather than replace, our human expertise. We leverage AI-backed tools to support decisions by streamlining time-consuming and repetitive tasks, and to accelerate data processing. This way, our analysts can focus their time where it matters most – on high-value risk assessments and the more complex aspects of trade credit decision-making.
AI tools help us analyze diverse data sets at speed and scale, allowing our A-Team to identify and apply insights quickly and efficiently. Our experts can then allocate their time and attention to the best opportunities or biggest risk exposures, improving both the accuracy and timeliness of decisions. AI therefore helps Allianz Trade deliver faster and more consistent trade credit outcomes, without compromising on quality or human judgment. It’s an approach that ensures companies benefit from both cutting-edge technology and expert insights.
Supporting businesses with clarity and confidence
In today’s unpredictable global environment, the most successful trade strategies blend data, technology and expert human judgment. At Allianz Trade, our approach to trade credit insurance combines these three crucial factors. By leveraging comprehensive and diverse data sets, AI-backed tools, and the insights of our experienced trade risk analysts, we support companies in making faster and more accurate trade credit decisions.
Whether you’re exploring new markets for export, extending credit to trading partners, or looking to navigate evolving market dynamics and economic headwinds, trade credit insurance from Allianz Trade gives you the clarity and confidence you need.
The A-Team. Your business is our mission.
Reach out to our A-Team today for a data-driven solution to help secure your growth.
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Our expertise and commitment
Allianz Trade is the global leader in trade credit insurance and credit management, offering tailored solutions to mitigate the risks associated with bad debt, thereby ensuring the financial stability of businesses. Our products and services help companies with risk management, cash flow management, accounts receivables protection, Surety bonds, business fraud Insurance, debt collection processes and e-commerce credit insurance ensuring the financial resilience for our client’s businesses. Our expertise in risk mitigation and finance positions us as trusted advisors, enabling businesses aspiring for global success to expand into international markets with confidence.
Our business is built on supporting relationships between people and organizations, relationships that extend across frontiers of all kinds - geographical, financial, industrial, and more. We are constantly aware that our work has an impact on the communities we serve and that we have a duty to help and support others. At Allianz Trade, we are strongly committed to fairness for all without discrimination, among our own people and in our many relationships with those outside our business.