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  "documentTitle": "Commercial payments, reinvented Your blueprint for accelerating payments revenue growth",
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  "notes": "The chart displays 17 categories of payment services, each with three data points representing the percentage of respondents using different provider types.",
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      "text": "Q: Who currently provides the following payment product offerings to your organization? Multiple responses allowed.",
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      "text": "Fintechs and bigtechs may have started out with basic services, but they are rapidly moving up the value stack. Incumbents are facing tougher competition from digital challengers in the provision of advanced commercial payments solutions such as split payments, usage-based pricing and billing, real-time cash forecasting, real-time cross-border payments and AI- and data-driven product recommendations (Figure 4). Stax Payments, for example, offers a reconciling and reporting platform for large enterprises. Its real-time reports allow retailers to track sales trends, manage offers and monitor customer traffic. Kyriba, meanwhile, provides AI-driven cash flow forecasting as part of its liquidity management offering. And Stripe today offers a wide range of services under liquidity management, receivables and payables.",
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      "text": "Source: Accenture Reinventing Commercial Payments Study, 2023 (Commercial Payments Client Survey)",
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      "text": "Figure 4. Commercial clients source advanced payments services from a variety of providers.",
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      "kind": "title",
      "text": "CHAPTER 1 | COMMERCIAL PAYMENTS INCUMBENTS FACE INCREASING DISRUPTION",
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