Analyzing Billing Behavior

Using JustOn Billing Intelligence, you can analyze your customers' payment behavior, assess credit risk and finally make data-driven decisions without manual report generation.

Accessing Agent

To access the JustOn Billing Intelligence agent:

1. Open the account, invoice or other related record associated to the relevant customer.

2. Click .

   This opens the Agentforce chat panel.

3. Select the JustOn Billing Intelligence agent.

   If in doubt, ask your administrator for the name of the agent.

4. Type your request.

   The JustOn Billing Intelligence agent understands natural language requests. So you can type, for example:

   • Analyze payment history for this account
   • Check payment reliability and creditworthiness
   • Provide credit recommendations for this account
   • What is the payment risk for this customer?

   Info

   The agent automatically determines the current account context when invoked from an account page. You can also specify an account provding the account ID in your query.

Understanding Report

JustOn Billing Intelligence generates a comprehensive report with the following sections:

Executive Summary

A two to four-sentence overview providing:

• Overall payment reliability characterization
• Key trend observation
• Current situation highlight
• Primary concern or recommendation (if applicable)

Key Metrics

• Invoices Analyzed – Total number of invoices included in analysis
• On-Time Payment Rate – Percentage of invoices paid within terms
• Late Payment Rate – Percentage of invoices paid after due date
• Write-Off Rate – Percentage of invoices written off as uncollectible
• Average Days to Pay – Mean payment timing across all invoices
• Average Days Overdue – Mean days past due for late payments
• Total Amount Analyzed – Aggregate invoice value in analysis

Risk Assessment

• Overall Status – LOW_RISK , MEDIUM_RISK , HIGH_RISK , or CRITICAL_RISK
• Risk Score – Numerical score from 0-100 (0 = best, 100 = worst)
• Score Adjustment – Explanation of contextual factors that adjusted the baseline score
• Confidence Level – HIGH, MEDIUM, or LOW based on data sufficiency

Trend Analysis

• Direction – IMPROVING , STABLE , DECLINING , VOLATILE , or NO_DATA
• Change Percentage – Quantified behavior change over time
• Interpretation – Business meaning of the trend
• Significance – HIGH, MEDIUM, or LOW impact assessment

Current Situation

• Open Invoices – Count of unpaid invoices
• Overdue Invoices – Count of invoices past due date
• Total Outstanding – Sum of unpaid amounts
• Oldest Overdue – Days since earliest overdue invoice
• Severity – CRITICAL, WARNING, or NORMAL status
• Explanation – Context on exposure and implications

Patterns Identified

Detected patterns such as:

• SEASONAL – Time-based payment variations
• AMOUNT_BASED – Different behavior for different invoice sizes
• NEGOTIATION – Consistently paying X days late (potential negotiated terms)
• VOLATILE – Highly inconsistent behavior
• DETERIORATING – Clear decline over time
• IMPROVING – Clear improvement over time
• CONSISTENT – Stable, predictable behavior

Each pattern includes description, evidence, and business impact.

Findings

Priority-ordered observations categorized as:

• CRITICAL – Immediate payment risk (multiple overdue, sharp decline, write-offs)
• WARNING – Concerning patterns (increasing delays, volatility, trend decline)
• INFO – Notable observations (stable behavior, minor improvements)

Each finding includes supporting data and business impact explanation.

Recommendations

JustOn Billing Intelligence only generates recommendations when genuine concerns exist. For LOW_RISK customers with good payment behavior, the recommendations section may be empty–this is intentional and reflects that no action is needed.

When present, recommendations are prioritized as:

• URGENT – Immediate action required (contact about overdue invoices, hold shipments, escalate to collections)
• HIGH – Important preventive measures (reduce credit limit, require prepayment, schedule payment plan discussion)
• MEDIUM – Proactive monitoring (implement status calls, negotiate stricter terms)
• LOW – Optional improvements (offer early payment discounts)

Each recommendation specifies:

• Concrete action to take
• Reason based on specific findings
• Relevant supporting metrics