AI in Credit Management: The transition from ChatGPT to GPT-6 and the EU AI Act

January 2026 - Much has changed since our first knowledge session in 2023. In this article, you will find our updated vision on AI in credit management and how technology has evolved from a 'cool gadget' into an indispensable, secure backbone for the financial sector.

In 2023, we first explored the possibilities of generative AI. What began as experiments with ChatGPT has, by 2026, grown into a sophisticated ecosystem of AI models—such as GPT-5 and GPT-6—that are fully integrated into modern CRM and debt collection systems. During the inaugural knowledge session hosted by Ultimoo and the VVCM (Dutch Association for Credit Management), we laid the foundation; today, this technology is the industry standard for an efficient credit management process.

The Evolution of AI: From Word Processor to Strategic Partner

While early AI models struggled with knowledge cut-off dates (such as the well-known 2021 limit), current models operate with real-time data integration. Business applications have shifted from simple text assistance to complex process automation:

• Automated Case Prioritization: AI models now analyze payment behavior and external economic data in real-time to prioritize collection cases. This allows specialists to focus on files with the highest probability of success or the greatest urgency.
• Voice AI for Training & Coaching: Advanced Voice AI simulates realistic telephone conversations with debtors, allowing call center staff to be trained in empathy and effectiveness within a safe, controlled environment.
• Seamless CRM Integration: AI is no longer a separate website but a 'copilot' within your own software that proactively suggests the next step in a collection trajectory.
• Hyper-personalized Communication: Letters and emails are not only written flawlessly but are also fully adjusted in tone and channel (WhatsApp, email, post) based on the profile of the individual customer.

What Drives Today’s AI (2026)?

The technology behind AI has reached maturity. Where we previously spoke about calculating the probability of the next word, we now speak of multimodal systems that understand and combine text, images, and voice.

No More Knowledge Gaps

The era of dated information is behind us. Modern AI applications utilize Retrieval-Augmented Generation (RAG). This means the AI has direct access to your own secure company data and current legislation, ensuring answers are always based on today’s facts, not yesterday’s data.

Hallucinations Minimized

With the advent of GPT-5 and GPT-6, the problem of 'hallucination' (inventing facts) has been virtually eliminated in professional environments. Thanks to strict frameworks and fact-checking layers within the software, credit managers can trust that the generated output is both legally and financially accurate.

Data Security and the EU AI Act

In 2023, data security was a point of concern and uncertainty. In 2026, it is legally anchored. The EU AI Act imposes strict requirements on AI systems in the financial sector, as credit management is classified as an area with specific high-level risks.

Ultimoo leads the way by implementing:

• Private Cloud Solutions: Customer data is never used to train public AI models.
• Compliance-by-design: Our AI applications fully comply with strict EU directives regarding transparency and human oversight.
• Ethical AI: Preventing algorithmic bias when assessing payment risks is an integral part of our systems.

Collaboration with the VVCM

The partnership between Ultimoo and the VVCM began with that first knowledge session and has since evolved into a structural dialogue on the digitalization of our field. Within the association, AI is now a standard component of professional qualification requirements. We continue to research how we can use AI to maintain the 'human touch' in credit management while driving efficiency to record heights.

Conclusion: The Future is Now!

For credit managers, AI is no longer a futuristic concept but an essential instrument. It enables us to work faster, more humanely, and more consistently. The most important lesson of 2026? Use technology to automate the mundane tasks, leaving more time for complex cases where human nuance is irreplaceable.

Would you like to know how to optimize your collection process according to the latest AI standards? Contact Ultimoo.

The vision for AI in Credit Management: from the first knowledge session to the implementation of GPT-6.