Elevating trade credit insurance with data driven insights 

As companies begin to develop their growth strategies for 2026, they face high volatility and uncertainty in global trade. The results of Allianz Trade's Global Survey 2025 reveal a significant drop in confidence among exporters since the Trump administration announced tariff increases and trade restrictions on April 2, 2025 (known as “Liberation Day”).

Less than half of the companies surveyed anticipate an increase in exports over the next 12 months, compared to 80% before the announcement. This comes on top of an already difficult environment marked by inflation, currency fluctuations and a range of constantly evolving risks.

In this complex and changing environment, successful companies are taking the lead. They are adopting agile and innovative solutions to secure their growth. They are not just looking for traditional protection, but demand speed, reliability, and accuracy in their credit decisions.

We offer them this competitive advantage through a data- and technology-driven approach. By combining diverse macroeconomic data with the on-the-ground knowledge of our experts, we help companies grow faster and make better-informed decisions.

Our strength lies as much in the quality of the data we use as in the way our experts use it. Our team continuously analyzes a wide range of up-to-date information on companies around the world: administrative and financial data, payment behavior, cash flow, ESG indicators, and information gathered directly through open dialogue with the companies being assessed.

This data is centralized, validated, interpreted, and enriched by our risk specialists. Their understanding of markets, sectors, and global economic dynamics enables us to respond quickly and effectively to changing risks.

Thanks to this combination of data analysis and human expertise, we refine credit limits, adjust the guarantees we offer, and support our clients in a constantly changing market environment.

Data alone is not enough. It is our analysts who make all the difference. Cutting-edge technologies, including AI, enable us to process data faster. But it is our experts, present on the ground in each region, who interpret and apply it in a real-world context.

They integrate their local knowledge into a global risk management framework. They engage with the companies they assess to pick up on unquantifiable signals: changes in management, new business strategies, shifts in demand... all decisive factors that no algorithm can detect on its own.

We use a simple but powerful assessment tool: the Allianz Trade grading. This score predicts, on a scale of 1 (low risk) to 10 (insolvency), the probability that a company will default within 12 months.

It is a trusted benchmark for assessing the financial health of a potential partner, better identifying opportunities and accelerating business decisions on a global scale. The score is based on a rigorous assessment, combining advanced data analysis and the judgment of our teams. It is used consistently across all markets.

With this grading, our analysts produce clear and actionable risk assessments. This allows companies to act with confidence, whether exploring a new market, granting payment terms, or adjusting their strategy in an uncertain economic environment.

Artificial intelligence enhances human expertise, it does not replace it. We use it to automate repetitive tasks and speed up data processing, so that our analysts can focus on high value-added tasks.

Thanks to AI, we are faster and more accurate, while maintaining the quality of our assessments. Our experts can identify critical opportunities and risks more quickly, enabling them to make decisions at the right time.

We offer fast, consistent and reliable credit insurance solutions, combining cutting-edge technology with human intelligence.

In an uncertain world, winning business strategies are built on three pillars: data, technology, and human expertise. At Allianz Trade, we bring these three strengths together to help you make faster and fairer credit decisions. Whether you are looking to conquer a new market, secure your transactions, or anticipate economic turbulence, our credit insurance solutions give you the clarity and confidence you need.