The component Risk Management from R4CM is fully integrated in the corporate finance and accounting process in SAP and can be interfaced to external data sources such as credit bureaus, payment pools and trade credit insurers. The module combines and processes data from different internal sources such as own payment experience, last sales revenues and external data sources such as credit report information and trade insurers. In order to perform internal scoring and deliver a risk category to each customer, the module enables the customisation of scorecards. This involves mapping relevant data inputs from the chosen sources with a punctuation value so that a scoring value can be delivered. A higher score value is correlated with a lower risk category for the customer.