Balance

💬 From AI-led commerce to new benchmarks in B2B payments and customer experience, here’s what caught the Balance team’s attention this week. 📑 PYMNTS finds that duplicate invoicing is emerging as a serious weak link in supply chains, draining liquidity and undermining trust. Recent cases show how poor controls and manual AP workflows can snowball into major financial risks. With 63% of CFOs citing delays from manual processes, companies are now adopting AI-powered systems that flag duplicates and anomalies before payments go out, turning invoice verification into a strategic safeguard for cash flow. 🇺🇸 The first global benchmark on B2B customer experience by the European Customer Experience Organization (ECXO) highlights sharp regional contrasts in how companies design and measure CX. In the U.S., the focus is on ROI, scalability, and measurable value, with leaders like Amazon Business and Salesforce driving data-driven, AI-enhanced platforms that streamline procurement and customer success. The report notes that while trust and reliability remain universal pillars, the most successful global enterprises tailor their CX strategies to local business cultures and operational realities. 📊 Boston Consulting Group (BCG) projects that U.S. payments revenue will grow 5.6% annually through 2029, reflecting a maturing market rather than a slowdown. With cash-to-card migration largely complete, BCG’s Inderpreet Batra said the next wave of growth will come from embedded finance, real-time account-to-account payments, and AI-powered infrastructure modernization that drives new value across the payments ecosystem. 💡 ICYMI: Balance was recognized among Tearsheet’s 2025 Power of Payments Award winners, alongside J.P. Morgan Payments, Remitly, and more. The awards highlight standout innovation and leadership across both consumer and commercial payments, reflecting the continued evolution of how money moves in today’s economy. We’re curating finance industry highlights every week. Follow 👉 Balance so you won’t miss an update. Links to the articles in the comments. #b2bpayments #b2bcommerce #b2b #b2bsales #ecommerce #payments #finance #customerexperience

🎧 From listening to Lenny’s Podcast (Lenny's Newsletter) on long rides to shaping better buyer and merchant experiences every day — meet Shayma Sharif, Product Manager at Balance. She believes the best products come from staying close to customers, learning from every conversation, and combining insights with data to build real value. 👉 Swipe through to see more of her perspective on product, growth, and creating real impact in B2B commerce. #b2bpayments #employeespotlight #product #b2bcommerce #b2becommerce

🛍️ Black Friday and Cyber Monday aren’t just for consumers anymore. According to DHL’s 2025 E-Commerce Trends Report, 85% of B2B sellers will take part in Black Friday this year. For B2B retailers, these peak events are a powerful way to boost visibility, attract new buyers, and re-engage existing ones with the right offers at the right time. 👇 How’s your team planning for the Black Friday rush? #b2becommerce #b2bcommerce #blackfriday #bfcm #b2bsales

🎉Exciting news: Balance is now powering flexible payments and net terms for B-Stock, the global leader in B2B recommerce. With Balance’s embedded financial infrastructure, B-Stock customers can now: ✅ Pay instantly or flexibly with automated Net Terms, powered by Balance’s payment infrastructure ✅ Get instant credit decisions powered by Balance’s AI underwriting engine ✅ Experience a unified, frictionless B2B checkout across all payment methods The integration also accelerates fulfillment. With DSO Protection, B-Stock can release orders faster and operate with confidence knowing funds are guaranteed, eliminating AR overhead and credit risk. Balance replaces fragmented, manual workflows with a single AI-powered autonomous solution that runs the entire invoice-to-cash cycle, automating invoicing, credit underwriting, collections, and reconciliation. Merchants can run it fully autonomously or in a hybrid model. We’re proud to partner with B-Stock to make B2B commerce faster, smarter, and more efficient. Link in the comments for more details. #b2bpayments #b2bcommerce #b2b #b2bsales #finance

📊 In 2024, nearly half of global firms are waiting over 60 days to get paid—and for one in five, that wait extends beyond 90 days. These elevated levels show how widespread delayed payments have become, putting ongoing pressure on working capital and liquidity across industries. With Balance, businesses offering net terms can leverage AI-powered credit risk management to reduce DSO and streamline operations. Even better, by transferring credit risk to Balance, you’re guaranteed payment on the due date—no matter when the buyer pays. ✅ Learn more > https://lnkd.in/gtAeKpXR #b2bpayments #b2becommerce #b2bcommerce #b2bsales #b2b #tradecredit

💬 What’s shaping B2B this week: AI-powered credit, autonomous trade systems, sustainable growth, and evolving CFO priorities. 💡 A PYMNTS report shows CFOs and CIOs are uncovering AI’s hidden costs. The World Economic Forum finds that data prep, retraining, and governance often exceed software costs, while CIO.com warns that fragmented projects are creating technical debt. Bloomberg reports over $170B in debt raised for AI infrastructure. With ROI under scrutiny, PYMNTS Intelligence notes only 26.7% of CFOs plan to raise GenAI budgets in 2026, signaling a shift toward disciplined, results-driven investment. 🌍 Automation is becoming the operating system of global trade, driving speed, visibility, and resilience across supply chains. DHL reports over 80% of leaders plan to boost automation by 2027, while ports like Singapore use AI to cut idle time by 30%. Beyond logistics, automation is reshaping finance through AI-led compliance, instant blockchain settlements, and algorithmic hedging. The future of trade is continuous, contactless, and coordinated, where machines handle scale, and humans guide strategy. 📊 A new study by Lu Chen and Siqi Tang finds that turning company data into measurable business assets can significantly improve creditworthiness. Using data from 2018 to 2023, the research shows that a 1% increase in data assetization raises a firm’s credit standing by 1.5%. The effect comes from smarter credit allocation and better cash flow, suggesting that treating data as a financial asset can strengthen trust and access to capital in the digital economy. 📦 The DHL Ecommerce 2025 Trends Report shows B2B commerce is quickly catching up to consumer retail, led by AI, social selling, and sustainability. Half of all ecommerce businesses, including 61% of B2B e-tailers, now use AI for recommendations and automation. 87% sell through TikTok or Instagram, and 85% prioritize sustainability in operations. With 78% expecting website sales to rise, B2B’s future looks a lot like B2C, which is smarter, faster, and greener. We’re curating finance industry highlights every week. Follow 👉 Balance so you won’t miss an update. Links to the articles in the comments.

Exciting news: Balance is the 2025 winner of Tearsheet’s Most Innovative Payments award! 🏆 Part of Tearsheet’s Power of Payments Awards, this recognition celebrates the most innovative technology, implementation, or experience shaping the future of payments. A huge thank you to our incredible team, customers, and partners for making this possible. Together, we move B2B commerce forward. 🚀 Learn more > https://lnkd.in/gP5WGhdn #b2bcommerce #b2becommerce #b2bpayments #b2b

💼 ⚙️ Offering flexible payment options like pay by invoice and net terms can increase conversion, strengthen customer loyalty, and improve the buyer experience. Explore why trade credit are critical for B2B growth, how to implement them successfully, and how automated AR can simplify the process. 👉 https://lnkd.in/gZi86vwX #b2bpayments #b2bcommerce #b2b #b2bsales

📊 59% of U.S. businesses link poor cash flow to outdated, manual AR processes, according to PYMNTS. With invoice volumes expected to surge 46% in the next three years, automating AR is key to driving efficiency, unlocking working capital, and giving finance teams better insight for decision-making. The next step in AR automation is autonomous AR—fully hands-off, data-driven, and built to scale. 🤖 Learn what that looks like when extending trade credit > https://lnkd.in/gtAeKpXR #b2bpayments #accountsreceivable #autonomousar #fintech #b2bcommerce #tradecredit

🌍 Trade credit is a cornerstone of the global economy. According to the research paper Trade Credit and Markups, published by the Federal Reserve Board, trade credit supported $5.2 trillion in outstanding credit among U.S. non-financial firms. That amount represented 24% of the nation’s GDP in 2021. Trade credit is a fundamental driver of business growth, allowing companies to operate, expand, and invest in new opportunities. ⚙️ As B2B trade continues to evolves across industries and borders, online and offline, the way businesses extend and manage credit will be key to keeping commerce moving and driving sustainable growth. Learn how → https://lnkd.in/gtAeKpXR #b2b #b2bpayments #b2bgrowth #b2bsales #b2bcommerce