Balance

🔍 Want to get caught up on the latest in B2B? The Balance team highlights the stories making waves in payments, AI and commerce. 📈 An Adobe survey of 225 B2B leaders finds buyers expect seamless, personalized digital experiences like in B2C. Top performers are outpacing peers by using AI and Gen AI for personalization and content, while 64% still cite system integration as a key challenge. The report calls for greater focus on digital self-service, AI adoption, and scalable platforms to drive growth. 📊 A new Harvard Business Review analysis shared by PYMNTS highlights why choosing the right AI model matters for businesses in regulated industries. While generalist models like ChatGPT excel at broad tasks, specialist models trained on domain frameworks deliver better accuracy and transparency for complex decisions in fields such as finance or healthcare. The authors recommend that companies ask AI vendors about transparency and domain expertise to ensure solutions can meet evolving enterprise needs. 💸 Real-time payments adoption is accelerating, with Federal Reserve System’s FedNow seeing Q2 transaction volume jump 63% to 2.1M payments, while The Clearing House RTP network rose 8% to 107M payments, according to both groups’ data. RTP still dominates with 98% of U.S. real-time payments activity and $481B processed in Q2, but FedNow handled $245.8B as usage expands. 🌍 CNBC and Statista have unveiled their 2025 list of the world’s top 300 fintech companies, highlighting firms driving innovation in payments, AI, crypto and more. Despite global fintech funding dropping 20% last year to a seven-year low of $95.6B per KPMG’s Pulse of Fintech report, the sector continues to see major shifts. And yes, Balance made it to the list! Learn more > https://xmrrwallet.com/cmx.plnkd.in/gJJymkDm We’re curating finance industry highlights every week. Follow 👉 Balance so you won’t miss an update. Links to the articles in the comments.

🤖 Over half of AR processes in mid-to-large enterprises will be augmented by AI and machine learning by 2027, according to PYMNTS. From automated dunning and AI-powered collection agents to intelligent cash application, AI is helping AR teams work faster, reduce manual tasks, and focus on what matters most: building strong customer relationships and driving better outcomes. ✨ Choosing a digital trade credit solution with built-in, autonomous AR? See here > https://xmrrwallet.com/cmx.plnkd.in/gtAeKpXR #b2becommerce #b2bcommerce #b2bpayments #tradecredit

📉 Struggling with low approval rates on net terms? Relying only on credit bureau data means likely missing buyers who are actually creditworthy. 💡 By tapping into alternative data like bank transactions, you can approve more, reduce risk, and grow revenue with net terms and pay by invoice. Learn how > https://xmrrwallet.com/cmx.plnkd.in/gtAeKpXR Explore more tips > https://xmrrwallet.com/cmx.plnkd.in/gvB_evC8 #b2becommerce #b2bpayments #b2bcommerce

Evaluating digital trade credit solutions? 📋 Use this question-based checklist to evaluate every critical capability—from onboarding to risk management. 📥 Download the full checklist now > https://xmrrwallet.com/cmx.plnkd.in/gp3p6BTs #b2bpayments #b2becommerce #b2bcommerce

Offering net terms and invoicing used to mean taking on risk, chasing payments, and managing credit manually.   Modern risk infrastructure changes that.   🤖 By using AI and leveraging multiple data sources, you can make more accurate credit decisions. This reduces the risk of late payments or defaults and increases approval rates.   But smarter underwriting is just one part of the picture.   Balance also takes on the credit risk for approved buyers. That means you can offer net terms and invoicing without worrying about bad debt or delayed payments.   ⚙️ The process is fully automated, too. From onboarding to collections, Balance handles it end to end, with no AR complexity and overhead.   Learn more > https://xmrrwallet.com/cmx.plnkd.in/gtAeKpXR #b2bpayments #b2becommerce #b2bcommerce #invoicing #tradecredit

🔍 What’s the latest in B2B? From payments and trade to AI, here’s what the Balance team finds interesting this week. 🧠 Claude enters finance. Anthropic launched Claude for Financial Services, a new AI platform to help analysts and underwriters run modeling, compliance, and reporting with verified data and audit trails. As covered by PYMNTS, it integrates with sources like S&P Global, Snowflake, and Morningstar to reduce hallucinations and support high-stakes decisions. 📉 U.S. CFOs are already feeling the pressure of tariffs: 57% report shrinking gross margins, with about a quarter seeing drops above 6–10%, according to a May–June KPMG survey of 300 executives. KPMG partners note that while some costs are being passed on, many businesses are preparing for more significant price increases as contracts come up for renewal. 📲 An International Monetary Fund study finds that interoperability increases digital payment adoption, reduces transaction costs, and improves credit access. By connecting payment systems, countries can accelerate innovation, expand financial inclusion, and reduce reliance on cash. 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 has been named to CNBC’s 2025 List of The World’s Top Fintech Companies! CNBC and Statista analyzed over 2,000 individual companies across seven market segments, evaluating each one against a set of key performance indicators. Balance was awarded in the Payments category. Couldn’t have done it without our incredible team, customers, and partners. Thanks for building the future of B2B commerce with us. 📖 See the full list on CNBC’s website. Link in the first comment. #cnbc #b2bpayments #b2becommerce #b2bcommerce #fintech

✨ Offering net terms to SMBs can drive more sales and build long-term loyalty. But it’s not always easy. What’s the biggest opportunity you see to improve the process? Vote below 👇 Then explore 4 ways to boost SMB net terms approvals without taking on more risk 👉 https://xmrrwallet.com/cmx.plnkd.in/gvB_evC8 #b2bpayments #b2becommerce

Marketplaces are winning B2B buyers. 📊 8 out of 10 of their top needs are better met on marketplaces than on traditional ecommerce sites (Boston Consulting Group (BCG). 🚀 And the model is growing 7x faster than traditional ecommerce (Digital Commerce 360). The opportunity is big. But standing out means delivering value that buyers and vendors can’t find anywhere else. 📘 Read our latest blog for actionable tips to build a B2B marketplace that wins on both sides > https://xmrrwallet.com/cmx.plnkd.in/gM9brE5j #b2bmarketplaces #b2becommerce #b2bpayments

🧾 Sourcing from Alibaba.com? There's a new payment method that lets U.S. business buyers access instant credit at checkout and defer payment for up to 90 days. Pay Later for Business is now live on Alibaba.com, powered by Balance. The experience is fully embedded within the platform, with no added credit risk or AR complexity for Alibaba.com. Learn more 📖 > https://xmrrwallet.com/cmx.plnkd.in/gpre_w3v Get started 🚀 > https://xmrrwallet.com/cmx.plnkd.in/gsHRkbYP #paylater #b2bbnpl #alibaba #b2bpayments #b2becommerce #b2bcommerce