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Operator notes

Long-form on AI in receivables, the European regulatory landscape, and late-payment data — written from an operator's seat.

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NewKyle Nelson

Calculating German default interest in 2026: base rate, formula, B2B and B2C worked examples

Calculate German default interest correctly: current Bundesbank base rate, formula for B2B and B2C, four worked examples, the €40 statutory flat fee, and the main pitfalls in court.

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Kyle Nelson

German B2B payment behaviour in 2026: what the studies show — and what the sectoral spread hides

The main studies on German B2B payment behaviour situated: sectoral spread, structural drivers, regulatory direction (ViDA, EU Late Payment Directive), operational takeaways for SMEs.

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Kyle Nelson

Skonto done right: when early-payment discounts pay off for an SME — and when they burn margin

When Skonto accelerates cash flow and when it just burns margin: the finance-math threshold, four worked scenarios, correct invoice phrasing, and three common abuse traps.

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Kyle Nelson

Customer not paying — what to do? A seven-step playbook for SMEs in Germany

Seven-step playbook for SMEs when an invoice goes overdue — from sanity check through to court Mahnverfahren. Pragmatic and relationship-preserving.

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Kyle Nelson

How to write a Mahnung in Germany (2026): templates, deadlines, default interest

Complete German Mahnung templates: six legal requirements under §286 BGB, three escalation stages with copy-paste text, default interest calculation, and when automation pays off.

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Kyle Nelson

Voice AI in dunning — what's lawful, what isn't, and how kvit gets it right

What UWG §7, EU AI Act Art. 50, TDDDG/§201 StGB and the GDPR actually require for AI voice calls in German dunning — and how a clean voice-dunning architecture maps those obligations end-to-end.

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Kyle Nelson

SCHUFA, the EU AI Act, and why kvit scores invoices — not persons

What the CJEU SCHUFA judgment (C-634/21) and EU AI Act Annex III §5(b) mean for AI-based receivables software — and why scoring invoices instead of persons is more than legal cosmetics.

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Kyle Nelson

Why kvit - a founder letter

How building and scaling an eight-figure German receivables business taught me what is structurally broken about the industry - and why the window for a software-native answer is open now.

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