Emerald Rating is an award-winning FinTech company providing credit management scoring services through a robo-advisor in order to mitigate credit risk from insolvencies or bankruptcies. The Emerald Rating GmbH was founded in 2018. Back in 2015 the book ‘Credit Risk Management – Code of Best Practice’ has been published in German. It was lounged in English two years later. It describes how to setup a state of the art credit management in a company. It includes a standard credit policy and procedures, standard agreements, key performance indicators, credit risk scoring models, reporting instruments, sources of information, and definitions. The book is the standard teaching book of the Association of Credit Management Switzerland (www.creditmanager.ch), and recognized as one of the standard books globally. The book describes a credit risk scoring model in particular, which is the fundamental basis for the scoring model used by Emerald Rating. The idea now from an efficiency gain perspective is to let the business partner who is requesting a credit limit for being served by its supplier or receiving money from a lender, entering the financial information into this model anonymously. The output together with the financial statement information is then given to the supplier’s/ lender’s credit decision maker for review of correctness and finally making the credit decision.