Research

Research publications

Independent work on commercial credit, enterprise debt management, artificial intelligence, and professional judgment. The papers below are publicly posted in research repositories.

Research paper · 2026

Commercial Credit Intelligence: A Framework for Enterprise Debt Portfolio Management

Ryan Toncheff · 2026 · Publicly posted

Introduces a borrower-side framework for aggregating, monitoring, and analyzing an enterprise’s complete debt portfolio and supporting financial information, organized around five capabilities from portfolio consolidation to capital structure decision support.

SSRN Munich Personal RePEc Archive (MPRA)Read the research overview

Research paper · 2026

The Automation Paradox: Artificial Intelligence, the Erosion of Human Judgment, and the Future of Business Development

Ryan Toncheff · 2026 · Publicly posted

Examines how increasing AI automation in business development may affect commercial effectiveness. The paper develops a conceptual model and proposes a Human Judgment Preservation Framework as testable hypotheses, not validated findings.

SSRN