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For small and medium-sized enterprises (SMEs), cash flow is the lifeblood of operations. However, liquidity challenges remain a persistent issue, affecting growth, stability and even survival. Studies show that over 60% of SMEs struggle with cash flow gaps, largely due to delayed payments, seasonal demand fluctuations or unexpected expens...
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A whole year has passed since our previous update of the INNOPAY Open Banking Monitor, which means it is high time to take a new look at where the industry stands. This year’s update will cover the status quo of Open Banking globally, highlighting what steps banks have taken, which general trends can be identified, and whether these have ...
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There are a growing number of request-to-pay (RTP) use cases, beyond the popular P2P transactions. This article looks at the differences between the two most prominent models: SEPA RTP (SRTP) and Open RTP (ORTP). With the future for RTP propositions being somewhat unclear now that both models are co-existing, we examine three possible hig...
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