Produktivitätsverlust durch manuelle Kontoeröffnung und Dokumentenprüfung

Definition

Dealer and wholesaler credit applications for trade accounts commonly mirror the information intensity of Australian motor dealer licence and motor car trader applications: identity verification (100 points), national police and credit history checks, bank statements, loan statements and business plans to evidence sufficient financial resources.[3][4] Each corporate applicant may need multiple directors to submit separate declarations and bank statements.[3] In practice, wholesale account and finance teams manually chase missing documents, certify IDs, collate financials and key data into internal systems. Licensing guidance for dealers states that incomplete applications significantly extend processing times and require manual follow-up before the regulator will proceed, with processing typically taking 4–6 weeks and longer where information is missing.[3] This same pattern plays out internally in wholesale account setup, but at the dealer’s cost. If each new trade credit account consumes 1.5–3 staff hours across credit, sales and administration, and a mid-size wholesaler opens 20–30 new accounts per month, that equates to 360–1,080 staff hours per year of predominantly manual, low-value work. At an on-costed labour rate of ~AUD 40–60 per hour for finance/admin staff, this is a direct productivity loss of approximately AUD 14,000–65,000 per year, excluding opportunity cost of sales time diverted to chasing paperwork.

Why This Matters

The Pitch: Wholesale motor vehicle players in Australia 🇦🇺 waste 400–800 Stunden qualifizierter Arbeitszeit jährlich auf manuelle Konto- und Kreditprüfungen. Automatisierte Dokumentenerfassung, Checklisten und API-basierte Bonitätsabfragen geben diese Kapazität für margenstarke Verkaufsarbeit frei.

Affected Stakeholders

Credit and risk analysts, Accounts receivable staff, Sales executives / account managers, Dealer principal, Back-office administrators

Related Business Risks