Customer Master Data - Validation / Substitution Rule

Is there a way to perform a validation / substitution rule in the customer master data?

Eg: In customer master, payment history checkbox is a required field so the user will always have to tick the checkbox when creating a customer master.

Question: how to make this payment history checkbox defaulted to tick so that user don't have to manually tick it themselves when creating customer master.

Is there a validation / substitution that can be performed in customer master because in accounting document, we will be able to perform the validation/substitution.