It basically depends on the branch and country specifics to where the customer belongs, and if the customer is a new or an existing one with available own payment experience. The most common data sources to assess in a scorecard for new customers normally includes: Credit information reports, payment pools, sales force surveys, and, when available, financial statements and balance sheet figures. For existing customers, the internal corporate SAP data source gains relevance by including figures from their own payment experience, sales revenues, negative indicators such as dunning levels andamount of invoices in dispute.