Atradius Atrium
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International trade and geopolitical constraints
The global trade landscape today is marked by geopolitical tensions, supply chain disruptions, and economic uncertainties. These factors can significantly impact international trade, making it crucial for businesses to have robust risk management strategies in place. Atradius, a global leader in trade credit insurance, surety, and debt collection services, understands these complexities and helps its clients navigate turbulent waters. Atradius supports businesses in over 50 countries. Through the insurer’s deep understanding of global trade dynamics and a proactive risk management approach, companies worldwide can be protected against the risks of default associated with selling goods and services on credit while expanding with confidence.
Digital ecosystems will enhance customer experience
José Luis Piédrola, the CIO at Atradius, believes that digital transformation is key to unlocking new opportunities in the credit insurance sector. His aspiration, evolved from more than 20 years as an IT professional in the insurance business, is to build seamless digital ecosystems that enhance customer experience and set new standards for innovation and excellence.
Our global integrated IT systems enabled us to be the first in the industry to launch an online policy management tool for our Modula product. With the latest API generation and add-on services like Atradius Flow for Microsoft Dynamics, we continue to set industry standards.
Business transformation & optimisation through digitalisation
Digitalisation at Atradius is not just a technical overhaul — it is a customer-centric evolution. Through the Atradius Business Transformation (ABT) initiative, all core legacy systems will be modernised, operations streamlined, and compliance improved. This is achieved through innovations in digital connectivity (APIs), platform development, Big Data, and artificial intelligence (AI). All is aimed at building long-term value, not only internally but across the Atradius client base. Piédrola is convinced: “With state-of-the-art technology, automation, advanced analytics, and user-focused tools, the organisation remains focused on delivering exceptional service and becoming the preferred supplier in the competitive landscape of trade credit insurance, debt collections, and surety.”
Healthy and sustainable growth
Piédrola continues: “Atradius has a long-standing commitment to embracing new technologies and innovations, particularly in deploying digital products and services. Today, tools like text mining, Machine Learning (ML), generative AI, neural networks, and web-crawling support automation, underwriting, and decision-making. For our customers and partners, we offer a range of digital tools and applications to support business decisions in managing risk and enabling trade. We continue investing in these technologies to make credit insurance activities smoother, aiming for our digital advancements to support healthy, sustainable growth.”
Piédrola suggests diving deeper into Atradius’ digital offerings: “Let’s start with our core capability in insurance, data management, and the famous buzzword Big Data.”
Big data
While Big Data remains central to Atradius' strategy, its role has evolved. Today, AI, Machine Learning, and Generative AI enable real-time data analysis and the automatic generation of new solutions, making speed, flexibility, and predictive power essential for business decision-making. Atradius has long used applications to analyse account narratives and detect early signs of credit risk and, through its partnership with Temenos, now applies advanced AI techniques to further improve underwriting accuracy and automation.
Digital tools for customers and intermediaries
Piédrola continues with digital tools for customers and intermediaries. “For example, our customers use Atradius Atrium, a credit management hub. Through a single portal, they manage daily policy activities, trade credit cover, payment cases, and customer portfolios—or identify risks, spot new opportunities, and detect trends to respond proactively. Policyholders can also benchmark operations against other businesses, gaining free data on potential customers—a powerful tool for strategy and growth.”
In addition to Atrium, Atradius offers AtradiusFlow, a plug-and-play application for Microsoft Dynamics NAV and Dynamics 365. It integrates credit insurance into clients’ systems, automating tasks and connecting to Atradius’ global buyer database.
Platforms and B2B e-commerce
“Atradius' digital strategy extends beyond credit insurance,” Piédrola made clear. APIs, B2B e-commerce payment solutions, digital marketplaces, and automation of account receivables are part of a broader push to embed Atradius services into customers’ operations.
“Atradius recently partnered with Mondu, a leading German Buy Now Pay Later (BNPL) provider, to help businesses integrate BNPL into their e-commerce platforms. The collaboration enables B2B merchants to offer flexible payment options and improves conversion rates for online sellers,” says José Luis.
The result is a smooth checkout experience without external gateways, while buyers benefit from better payment terms. Platforms also support due diligence between sellers and buyers, assessing creditworthiness in real time and offering insurance models from single-transaction cover to full turnover protection.
Another example is Credit-IQ from Atradius Collections, which automates accounts receivable processes. It monitors overdue payments, sends reminders, and customises workflows to fit customers’ operating models. Credit-IQ offers real-time dashboards for proactive financial management.
Corporate culture and innovation
“Key to the success of developing customer-oriented digital products and services are the people who make digital transformation work,” José Luis stresses as a key final finding. "Atradius is committed to creating within the ITS team a culture of performance, cooperation, and innovation with a clear focus on customer needs and satisfaction. This will create opportunities for talents in ITS, who seek to work in a truly international environment with a cooperative and people-minded culture.”
Transform your business with Atradius digital solutions
Ready to leverage digital transformation for your business? Contact us to discover how Atradius' digital tools can help you manage credit risks, automate accounts receivable, and help you identify trade opportunities.
This article is originally published in CIO Applications Europe as “Driving Agile Transformations in Credit Insurance,” which explores how Atradius is leading digital transformation in the credit insurance industry.