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  "documentTitle": "Commercial payments, reinvented Your blueprint for accelerating payments revenue growth",
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      "text": "56% of payments incumbents reported that competitive solutions from fintechs and bigtechs are eroding their share of wallet.",
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      "text": "Share of clients using each provider type across segments: 80%",
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      "text": "In some instances, they bypass and compete directly with incumbents; in others, they partner with them. But in all cases, they are redefining the client experience in selected niches where commercial clients report pain points in dealing with banks and payments providers. The result is that most commercial payments clients today use a mixture of fintech and incumbent providers.",
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      "text": "Our commercial client survey shows that the majority use incumbents for most commercial payments services but are also turning to fintechs and bigtechs for many requirements (Figure 2). Just over half (51%) use one type of provider for all payments services, while the balance (49%) use a combination of banks, fintechs, bigtechs and non-bank payments providers to address their needs.",
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      "text": "More than eight out of 10 clients said that for cost reasons they would like to use a single provider for all their needs. However, few providers have the comprehensive capabilities to meet all needs. It is thus unsurprising that 56% of payments incumbents reported that competitive solutions from fintechs and bigtechs are eroding their share of wallet.",
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      "text": "Source: Accenture Reinventing Commercial Payments Study, 2023 (Commercial Payments Client Survey)",
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      "text": "CHAPTER 1 | COMMERCIAL PAYMENTS INCUMBENTS FACE INCREASING DISRUPTION",
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