In software environments, customizing means adapting a product to the customer's individual requirements. Customizing serves to adapt standard products to previously defined requirements. In addition, the provider, such as SAP, responds to the need to personalize and individualize insurance, services, customer and sales communication. This recognizes that software in collections and disbursements can be modified according to the customer's own needs without any programming knowledge using SAP customization options. This makes it easy for departments to set up reminder and dunning processes in arrears processing. Another advantage is that insurance companies can use SAP customizing to develop an individual view of their customers and thus shape the relationship. If necessary, dunning processes can be set up and further optimized.