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  "documentTitle": "Commercial payments, reinvented Your blueprint for accelerating payments revenue growth",
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  "notes": "The slide contrasts high-growth areas (merchant acceptance, commercial cards) with current bank investment focus (payables, receivables, trade finance).",
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      "text": "Accenture's proprietary models forecast that the total commercial payments revenues of banks and non-banks will grow at a compounded annual rate (CAGR) of 7.2%, from $827 billion in 2022 to $1.26 trillion in 2028.",
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      "text": "Total commercial payments revenue CAGR 2022-2028: 7.2%",
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      "text": "If value-added services are a competitive edge for banks, in which areas should they use them to gain market share and turn commercial payments into an engine for growth?",
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      "text": "Ryan McQueen\nAustralia & New Zealand Payments Lead, Accenture\nLinkedIn",
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      "text": "Our projections indicate that merchant acceptance will be the fastest-growing segment in commercial payments, with a CAGR of 9.6% over the next five years. But only 26% of banks have prioritized it for investment (Figure 16). Conversely, 36% of banks are prioritizing documentary trade finance, which is the slowest-growing area (2.2% CAGR) and one of the smallest revenue opportunities.",
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      "text": "Accenture's proprietary models forecast that the total commercial payments revenues of banks and non-banks will grow at a compounded annual rate (CAGR) of 7.2%, from $827 billion in 2022 to $1.26 trillion in 2028.",
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      "text": "The commercial card segment, which we expect to grow by 8.8% a year, is a key priority for 36% of banks. Liquidity management is a priority for 36% of banks and is expected to grow at 8% a year. The biggest priorities for banks are payables (41%) and receivables (41%), which are expected to grow by 5.3% and 5.4% respectively.",
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      "text": "While merchant acceptance, commercial cards and domestic transfers are forecast to grow north of 6%, banks are prioritizing investment in payables and receivables, and are modernizing their legacy systems to provide core payments services to their business, corporate and institutional clients. This enables them to remain relevant to the basic needs of their clients and then to turn their attention to value-added services in a modular fashion.",
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      "text": "While merchant acceptance, commercial cards and domestic transfers are forecast to grow north of 6%, banks are prioritizing investment in payables and receivables, and are modernizing their legacy systems to provide core payments services to their business, corporate and institutional clients. This enables them to remain relevant to the basic needs of their clients and then to turn their attention to value-added services in a modular fashion. — Ryan McQueen, Australia & New Zealand Payments Lead, Accenture",
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