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08 Jul 2020 Real-Time Everything Innovation is on the horizon in banking and payments. In fact, the foundation of a real-time ecosystem is rapidly taking shape.
02 Jul 2020 How is COVID-19 Accelerating Digital Adoption in Payments? COVID-19 is changing how consumers pay for things, which is one area where some of the lasting impacts may be felt permanently.
25 Jun 2020 AI and Customer Service by the Numbers (Infographic) Here is a look at what AI in customer service means to tomorrow’s competitive landscape.
19 Jun 2020 Payment Trends from the Stamford FinTech MeetUp On June 11th, Alacriti’s Payment Practice Lead, Mark Ranta, along with other industry experts came together to discuss the biggest topics moving the payments industry from AI to Faster Payments. Read Mark’s recap.
18 Jun 2020 Rule Changes and the Opportunity for Innovation (Webinar Recap) Alacriti hosted a webinar with Nacha that explored the upcoming rule changes for WEB Debits and what that means for payment workflows from a billing and payments standpoint. Here's our recap.
28 May 2020 Everyday Automation: How Voice Payments Are Being Heard Our voices are becoming more powerful than ever thanks to advancements in AI, NLP,
30 Apr 2020 How Credit Unions Can Turn Indirect One-and-Done Members Into Direct Members Credit unions that offer robust and innovative EBPP capabilities have a tremendous opportunity to deepen member relationships. Turning indirect, one-and-done members into long-term, direct members.
15 Apr 2020 Billers: Seven Tips to Lessen COVID-19’s Impact The negative effects of COVID-19 on the global economy cannot be understated. However, there are small things that we can do to lessen the impact, and more importantly, make life easier for the people who support our businesses.
02 Apr 2020 Faster Payments: Are You Ready? Bill payments have been identified as one of four use cases that could benefit the most from faster payments. Get ready to reap the rewards by offering a wide variety of new ways to pay in terms of payment channels and methods.
27 Mar 2020 The Value of AWS Well-Architected Framework Reviews AWS Well-Architected Framework reviews help businesses create and maintain resilient and efficient computing infrastructure through operational excellence, security, reliability, performance efficiency, and cost optimization.
04 Mar 2020 Hyper-Customization: What Does it Mean for EBPP? Hyper-customization is the next wave of EBPP customer engagement. Your business can capitalize with a wide range of acceptance options and channels, account updater services, and personalized data infused into the payments process.
25 Feb 2020 Offering More Payment Channels Improves the Customer Experience Offering convenience and flexibility around the payment channels your customers use enhances their experience, which leads to increased loyalty and retention, plus increases the likelihood you’ll get paid.
20 Feb 2020 Benefits of Cloud Computing with AWS Amazon Web Services (AWS) helps businesses thrive by freeing up financial and IT resources, increasing speed and agility, and reducing business risk. With AWS, organizations are better equipped to address market needs and demands.
13 Feb 2020 Increasing Autopay Adoption and the Remarkable Results of Repetition The Marketing Rule of Seven helps billers increase autopay adoption. This powerful Rule stipulates reaching and positively impacting people at least seven times, in as many ways possible, to elicit autopay enrollment action.
30 Jan 2020 A Look Back at 2019 and What's Ahead: Orbipay EBPP Alacriti hosted a webinar reviewing 2019 enhancements made to its flagship electronic bill presentment and payment solution Orbipay EBPP. An overview of the offering’s 2020 roadmap was also provided.
22 Jan 2020 Working Together: Financial Institutions and Fintech Partners Working with a fintech partner can help financial institutions deliver new solutions without building them in-house. Learn how fintech partners and financial institutions can work together to develop solutions more efficiently.
13 Jan 2020 Adopting a Loan Payments Solution: Lessons Learned from Tech CU (Webinar Recap) Making loan payments easier for members is key for every credit union. Alacriti co-hosted a webinar with WesPay and Tech CU to discuss the benefits of implementing Orbipay EBPP to better their member experience.
08 Jan 2020 Six Payments Trends to Watch in 2020 Six payments trends to watch in 2020 include unbridled industry change, cloud computing, unified commerce, frictionless data-rich payment experiences, real-time payments and increasing data security and privacy regulation.
18 Dec 2019 2019 Year in Review: Faster Payments, Digital Disbursements, and CAU In 2019, we reported on significant developments in the billing and payments ecosystem in areas including faster payments, digital disbursements, and card account updater. Here’s a look back at key themes we explored in our blog.
04 Dec 2019 The 6 Critical Components of Effective Healthcare Billing Patient payments are a critical revenue source for healthcare providers. Our blog outlines six critical components of effective healthcare billing and how they can facilitate patient payments.
25 Nov 2019 Skip-a-Pay for the Holidays The 2019 holiday season is here and retail sales are expected to be strong. This is also the time of year when skip-a-payment options from billers can come in handy for certain customers. Read more in our new blog.
21 Nov 2019 3 Payments Stories That Caught Our Eye Alacriti keeps a close eye on news impacting the electronic billing and payments ecosystem. Here’s a summary of recent headlines related to holiday spending predictions, big tech in financial services, and Apple Pay usage.
11 Nov 2019 The Road to Same Day ACH NACHA’s Same Day ACH is up, running, and expanding. Our blog recaps the road to Same Day ACH, including benefits for consumers and businesses, and what’s to come.
06 Nov 2019 What We Learned at AFP 2019 Alacriti attended sessions at AFP 2019 dedicated to the latest in payments. Our blog shares lessons learned about paper checks, refunds, and why it’s more important than ever to embrace payments innovation.
24 Oct 2019 What’s Driving Consumer Adoption of Digital Payments? Digital payments provide benefits including enhanced security, speed, and convenience. Our blog investigates key reasons why today’s consumers are adopting digital payments as an alternative to traditional methods like cash.
23 Oct 2019 How to Streamline Auto Finance Payments in 4 Easy Steps On-time car payments can be as crucial to people’s well-being as paying their mortgage and utility bills. Here are four ways a forward-thinking EBPP solution can help auto finance customers stay current on their auto loans.
15 Oct 2019 A Look at P2P Payments Person-to-person (P2P) payments are becoming more popular as consumers switch from physical payment methods like cash and cards to digital alternatives. Read about two of the biggest P2P solutions, Venmo and Zelle, in our blog.
09 Oct 2019 How to Choose an EBPP Solution: Three Factors to Consider The bill payment process can impact customer satisfaction, so businesses need an electronic bill presentment and payment (EBPP) solution that delivers a great experience. Read three important factors to consider in our blog.
02 Oct 2019 A Better Member Journey Is Just a Chat(bot) Away (Webinar Recap) Chatbots are a hot topic for organizations across all industries, including credit unions. Alacriti co-hosted a webinar with NACUSO to discuss the benefits of chatbots for credit unions. Read key takeaways in our blog.
25 Sep 2019 5 Benefits of Card Account Updater for Bill Payments Payment card information changes frequently due to lost and stolen cards, expiration date changes, and mass reissuance. Card account updater can reduce missed bill payments due to outdated credit card and debit card data.
17 Sep 2019 The Hitchhiker’s Guide to EBPP (Infographic) Consumers are always looking for the newest ways to pay their bills. An electronic bill presentment and payment (EBPP) solution can get your business on the right path. Read our hitchhiker’s guide and download the infographic.
09 Sep 2019 Payments and the Internet of Things (IoT) The Internet of Things (IoT) is growing quickly and consumers expect payments to integrate seamlessly with their connected devices. Read examples of the IoT in action and what it means for payments in our blog.
03 Sep 2019 Paper or Electronic Billing: What’s Your Preference? Eliminating paper bills can benefit businesses, but some customers still rely on them. Your organization can encourage a permanent shift toward electronic bill presentment and payments (EBPP) by offering the right incentives.
26 Aug 2019 Three Ways to Reduce Friction in Bill Payments (Infographic) Consumers’ expectations for seamless payments are rising, and bill payments are no exception. Our infographic illustrates three ways that billers can help reduce friction in the payments experience.
12 Aug 2019 Mobile Payments: What Will It Take to Convince Consumers? Mobile payments are becoming more commonplace, but US adoption continues to be slow. What will it take to convince consumers? Our blog discusses how accessibility, merchant acceptance, and disruption can help shift behavior.
07 Aug 2019 4 Ways Chatbots Are Revolutionizing Electronic Bill Payments Chatbots are revolutionizing the entire customer journey, right down to bill payments. Our blog highlights four ways that businesses can benefit from implementing chatbots for electronic bill payments.
30 Jul 2019 What Are Payment Rails? When a payment is initiated online or at the point of sale, payment rails transmit an intricate flow of information and instructions between relevant parties. Our blog examines three US payment rails – ACH, card networks, and RTP.
11 Jul 2019 Mobile Payments: What Are the Benefits? Mobile payments via digital wallets are more commonplace than ever. What are some of the perks of mobile payments? Our blog shares four benefits for businesses and consumers.
10 Jul 2019 Paperless Billing: Why Make the Switch? Paper statements provide many benefits, but electronic billing can deliver those benefits and more. Here are four reasons why businesses should continue encouraging their customers toward electronic bill presentment.
01 Jul 2019 3 Applications of Machine Learning in Financial Services Advances in machine learning have game-changing implications for financial services. Learn how ML is transforming customer service, personal finance, and fraud and risk management in our blog.
27 Jun 2019 P&C Insurance: Consumer Bill Payment Preferences & What’s Ahead (Webinar Recap) What’s ahead for the Property and Casualty Insurance sector? Alacriti hosted a webinar that explored bill payment preferences, blockchain, cloud computing, and digital disbursements. Read our recap.
20 Jun 2019 What Are Digital Disbursements? Digital disbursements have emerged as a user-friendly alternative to paper checks for B2C payouts. What are digital disbursements? Our blog shares four things to know.
12 Jun 2019 Faster Payments: Full Speed Ahead Faster payments bring speed and efficiency to money movement around the world. Our blog defines faster payments, gives an overview of global and domestic systems, and provides use cases for B2B, B2C, and C2B transactions.
06 Jun 2019 Bill Payments on Mobile Devices: A 5-Step Approach A holistic, mobile-based bill payments strategy includes components like optimized websites, Guest Pay, text-based bill payments, messaging apps, and biller apps. Learn how an EBPP solution can help.
29 May 2019 Why Should Businesses Offer Flexible Payment Options? Payments are a crucial component of the customer experience but can sometimes be an afterthought. Flexible payment options can help businesses get paid faster, reduce bad debt, and adapt quickly to changing customer expectations.
20 May 2019 How to Convert Customers to Paperless Billing Paper bills aren’t dead yet. How can your organization convince customers to adopt electronic billing and payments once and for all? Our blog shares five techniques to consider.
15 May 2019 5 Takeaways from NACHA PAYMENTS 2019 Alacriti was honored to attend and speak at NACHA PAYMENTS 2019. Here are five takeaways we learned at the conference related to artificial intelligence (AI), payments fraud, chatbots, paper checks, and biometrics.
08 May 2019 Five Examples of Biometrics in Banking More businesses are incorporating biometric authentication into their user experiences, from facial recognition to fingerprint scanners. Here are five banks that are using biometrics to improve security and fight fraud.
29 Apr 2019 Back to Basics: ACH for Bill Payments ACH is a popular funding source for electronic bill payments. This blog outlines the basics of how ACH works and explores why customers use it so frequently for bill payments.
18 Apr 2019 4 Takeaways from CS Week 2019 At CS Week 2019, Alacriti attended sessions dedicated to the latest customer service trends in utilities. Here are four themes we heard related to artificial intelligence, emerging payment channels, and self-service technology.
08 Apr 2019 The Building Blocks of Production Support: ITIL and COBIT Alacriti’s Production Support capability is guided by two approaches, ITIL and COBIT, that help set appropriate client expectations while allowing us to deliver the best service possible. Our blog details these approaches.
02 Apr 2019 Fintech Disruption: Creating Opportunities for Financial Institutions Fintech can help financial institutions deliver better customer experiences. This blog examines opportunities that fintech can help unlock in faster payments, conversational commerce, and data and analytics.
26 Mar 2019 What is EBPP? What does the term EBPP mean? This blog provides a high-level overview of the major components, features, and functionality of an electronic bill presentment and payments (EBPP) solution.
18 Mar 2019 Full Coverage EBPP for Auto Insurance Auto insurance premiums are among the most predictable bill payments in consumers’ lives. A forward-thinking EBPP solution can deliver a seamless experience and help prevent the negative impacts of missed auto insurance payments.
08 Mar 2019 Consumer Bill Payment Trends in 2018: 5 Takeaways Alacriti has a unique view into consumers’ bill payment habits thanks to our electronic bill presentment and payment solution, Orbipay EBPP. Here are five takeaways from an analysis of our 2018 transaction data.
07 Mar 2019 Webinar Recap: Why businesses need to embrace Digital Disbursements. Now. There are significant benefits to be gained by businesses that transition away from paper checks and toward Digital Disbursements for B2C payouts. Our webinar recording makes the case for making the switch.
27 Feb 2019 The SWIFT Approach to Payments Security SWIFT’s Customer Security Programme (CSP) is designed to help protect the security of the financial system and the counterparties within it. Learn more about SWIFT, its CSP, and what it means for payments in our new blog.
19 Feb 2019 3 Takeaways from HIMSS19 Alacriti attended the 2019 HIMSS Global Conference & Exhibition and sat in on educational sessions dedicated to the latest topics in health information and technology. Our blog shares three takeaways learned at HIMSS19.
14 Feb 2019 A Payments Experience Your Customers Will Love It’s Valentine’s Day and love is in the air. Your organization’s bill payments experience should show your customers a little love, too. How can it do that? Here are three tips to help get you started.
05 Feb 2019 2018 Year in Review: Orbipay EBPP This blog reviews five key accomplishments, improvements, and upgrades related to Alacriti’s electronic bill presentment and payment (EBPP) solution, Orbipay EBPP, in 2018.
29 Jan 2019 What’s ahead for EBPP in 2019? Alacriti’s electronic bill presentment and payments (EBPP) experts reflect on key industry developments in 2018 and share their thoughts on what the future might hold for EBPP in 2019.
21 Jan 2019 Ditching Paper Checks for Digital Disbursements: 5 Use Cases Paper checks are still a go-to for personal and professional debts, but they have their flaws. Here are five use cases where Digital Disbursements can eliminate paper checks for B2C payouts.
16 Jan 2019 3 EBPP Resolutions for 2019 How can your business resolve to make bill payments simpler and smarter in 2019? Here are three electronic bill presentment and payments (EBPP) resolutions to consider.
10 Dec 2018 3 Benefits of Pay by Text for Digital Bill Payments Businesses are always looking for new ways to streamline bill payments. Pay by Text can deliver a customer bill payment experience that’s quick, convenient, and highly personalized.
04 Dec 2018 Busting 5 Common EBPP Myths Electronic bill presentment and payments (EBPP) is a big discipline that encompasses everything from mobile payments to debit cards. Our new blog busts five common EBPP myths to give a better understanding of how it all works.
27 Nov 2018 AI Steers Auto Finance in a New Direction, and Other Ideas from the Auto Finance Summit Last month, Alacriti attended the 18th annual Auto Finance Summit in Las Vegas, Nevada. Professionals from across the auto finance world convened for three days of engaging presentations and idea exchanges about all things auto finance. Here’s what we learned.
14 Nov 2018 Financial Institutions Are Investing in Chatbots Financial Institutions are deploying chatbots because they can improve the digital experience and help reduce costs. Alacriti’s Chris Schroeder makes the case for why Financial Institutions should consider investing in chatbots.
09 Nov 2018 5 Things We Learned at AFP 2018 Alacriti attended and exhibited at AFP’s 2018 conference in Chicago. Here are five things we learned during the payments-related presentations that were delivered at the event.
31 Oct 2018 Accepting Online Donations: 4 Things to Know Online donations are an important part of charitable gift giving and accepting these payments might be possible with existing solutions like EBPP. Here are four things to know about accepting online donations.
25 Oct 2018 Bill Payments in 2017: Most Popular Ways (and Days) to Pay Part 3 of our series explores the payment channels (Web Portal, Guest Payments, Agent, IVR) that Orbipay EBPP users chose most often in 2017. It also shares the days of the week that users were most likely to make bill payments.
18 Oct 2018 Bill Payments in 2017: 6 Trends in Payment Options Orbipay EBPP’s 2017 transaction data reveals new insight into consumers’ bill payments behavior. Part 2 of our three-part series shares six trends related to payment options including One Time, AutoPay, and Recurring payments.
11 Oct 2018 Bill Payments in 2017: 7 Insights About Payment Methods We analyzed Orbipay EBPP’s 2017 transaction data to better understand consumers’ bill payments behavior. Part 1 of our three-part series shares observations related to payment methods including ACH, credit cards, and debit cards.
26 Sep 2018 Forget the Login with One-time Bill Payments Consumers are managing more online accounts than ever before. One-time guest payments can simplify the bill payment process by giving customers an easy way to make online payments without needing to create user accounts.
17 Sep 2018 7 Benefits of Kiosk Payments Electronic bill payments are quick and convenient, but what about customers who want or need to pay their bills in person? Here are seven benefits that self-service payment kiosks can deliver as part of an overall EBPP solution.
12 Sep 2018 Bill Payments: Helping Small Businesses Think Big For small businesses that rely on income from bill payments, an electronic bill presentment and payment (EBPP) solution can help keep this revenue flowing. Here are five ways EBPP can help small businesses think big.
04 Sep 2018 5 Ways Chatbots Are Redefining Customer Service With some 300,000 chatbots on Facebook Messenger, how are businesses using them to deliver better customer service? Here are five ways chatbots are being leveraged for positive brand interactions, including bill payments.
27 Aug 2018 3 Tips for Painless Health Insurance Payments An EBPP solution can streamline health insurance premium payments by simplifying binder payments, offering diverse payment options, and sending members timely alerts and notifications.
21 Aug 2018 The Case for Flexible Mortgage Payments It’s critical for customers to pay their mortgages on time. An EBPP solution can encourage timely payments by offering proactive account communications, customer-friendly payment channels, and flexible payment schedules.
06 Aug 2018 EBPP Glossary: 11 Terms to Know The first step toward a deeper comprehension of electronic bill presentment and payments (EBPP) is a better understanding of the terminology associated with it. Here’s a shortlist of 11 commonly used terms to help get started.
31 Jul 2018 Conversational AI for the Customer Experience Experts predict the proliferation of artificial intelligence will be more impactful than the Internet. Learn how artificial intelligence can help your business streamline operations and deliver a better customer experience.
02 Jul 2018 The Rules and Regulations of Online Payments Accepting online payments means that businesses are subject to regulations from various entities. Here’s an overview of rules pertaining to NACHA, the card networks, PCI DSS, and Know Your Customer (KYC).
18 Jun 2018 EBPP, From Checks to Voice Payments Every channel is an important part of a complete billing and payments solution. The best approach is to offer a comprehensive bill payment experience that makes things easy for customers no matter how they choose to pay.
15 Jun 2018 Southeast Credit Union Conference & Expo (SCUCE) Recap Alacriti was honored to attend and exhibit at the 2018 Southeast Credit Union Conference & Expo (SCUCE). Here’s our recap of the conference.
12 Jun 2018 5 Steps for Simplifying Utility Payments Utility customers are looking for a bill payment experience that’s on par with other retailers and service providers. Here are five ways that the right EBPP solution can help simplify billing and streamline payments for utilities.
18 May 2018 A Primer on PCI DSS Accepting digital payments opens the possibility for cybercriminals to steal and misuse customer data. A solid defense requires a multi-faceted approach including PCI DSS. Here are some questions and answers to help get started.
15 May 2018 CS Week 2018 Recap Alacriti was honored to exhibit and speak at CS Week 2018. Here’s what we learned at our session on how utility companies can leverage artificial intelligence (AI) and chatbot technology for bill payments and customer service.
14 May 2018 AI Agents that Learn with Experience Businesses of all kinds are utilizing AI to improve the customer experience. While a pre-trained AI agent does a decent job at understanding and performing actions based on user inputs, it’s better to have an AI agent that continues to learn and understand its users better over time. Our new blog discusses the first of three aspects in which a bot can “learn” to do better.
09 May 2018 NACHA PAYMENTS 2018 Recap Alacriti recently participated in NACHA’s PAYMENTS 2018 conference. Here’s a summary of our sessions dedicated to artificial intelligence (AI), blockchain, and chatbot technology.
08 May 2018 The Second Pillar of Information Security: Risk Management Lifecycle A comprehensive risk management lifecycle works hand in hand with security policies to create a sustainable information security program. Alacriti’s risk management approach helps keep us nimble in the face of daily threats.
30 Apr 2018 A Crash Course in Faster Payments Faster payments is an umbrella term for the various systems that support the move toward quicker, on-demand payments. This blog discusses four of the major systems that have evolved in support of faster payments.
23 Apr 2018 Bill Pay the Mobile Way Customers’ expectations for seamless user experiences on their mobile devices are only getting higher. Can your electronic billing and payments solution keep up? Here are four ways to support bill payments via mobile technology.
16 Apr 2018 Billing and Payments for Credit Unions: 7 Questions to Consider Credit Unions offer financial products with favorable terms and interest rates, including loans. Learn what Credit Unions should consider in an electronic bill presentment and payment solution (EBPP) for servicing these loans.
09 Apr 2018 Debit Cards, Credit Cards, and Bill Payments Credit cards and debit cards are convenient ways for customers to pay their bills. Learn how these payment methods and flexible billing options like automatic payments and payment plans can create seamless customer experiences.
19 Mar 2018 How Do the Underbanked Pay Their Bills? Not all consumers have traditional banking relationships. When the unbanked and underbanked need to pay their bills, businesses must offer payment methods (cash, prepaid debit) and channels (kiosk, walk-in) that meet their needs.
12 Mar 2018 The Big Question About Fintech FinTech has revolutionized financial services, from peer-to-peer payments to online loans. This is especially true for Millennials, who are the generation most likely to use FinTech. But what about everyone else?
22 Feb 2018 Are You Adapting to Consumer-Driven Payments? Technology is changing consumers’ expectations when it comes to payments. When retailers and billers face resource constraints that prohibit them from adapting to this rapidly changing landscape, collaborative partners can help.
20 Feb 2018 The Elegant Future of Payments Alacriti’s CEO, Manish Gurukula, recently talked with PYMNTS.com’s Karen Webster to discuss how voice-activated user experience (UX) is the next big thing in elegant, streamlined bill payments.
12 Feb 2018 The Pillars of Information Security As a payment processing technology provider, our clients, auditors, and regulators expect us to maintain a very high standard of data security.
06 Nov 2017 Why Should Businesses Embrace Disruption? Businesses need to get outside their comfort zones to better understand the customer experience and how it might need to change in the future.
06 Jun 2017 Referral Partnerships: A Mutually Beneficial Relationship A referral partnership with a technology provider is a cost-effective option for businesses that want to meet their customers’ payment needs.
01 Feb 2017 Healthcare Providers and the Transition to a Digital World It is important for healthcare providers to make a concerted effort to retain patients amid soaring costs and increased competition.
02 Nov 2016 Is Bank Innovation Fact or Just Fiction? Banks need to adapt a mindset for innovation in order to be competitive.
23 Sep 2016 Old Habits Die Hard - Resistance to New Technology Resistance to new technology -- is it consumers or billers themselves?
25 Jul 2016 The Battle for the Mobile Payments Space The battle for the mobile payments space is a complex one involving a number of participants and interests.
08 Jul 2016 Reflections on the Windy City Summit Conference Reflections of the Windy City Summit Conference: Without my presentation, I had to make some quick decisions.
29 Jun 2016 Banks and the Blockchain Blockchain technology is a promising new concept currently being explored for practical application by the financial services industry.
07 Apr 2016 Healthcare Revenue Optimization 101 Will healthcare providers be able to focus on the business side of their practices while offering optimal patient care?
30 Mar 2016 Partnerships Between FinTech and Big Banks: The Lessons The role of the FinTech startup is evolving in the current economic and technological climate.
20 Jan 2016 Banks Seek New Revenue Opportunities in Healthcare Changes in the healthcare space are giving rise to opportunities for banks to offer additional services.
21 Dec 2015 Healthcare Providers and the Changing Dynamics of Payments Consumerism, regulation, and an aging population all affect how healthcare providers operate their practices and how much they get paid. This blog examines some of the forces impacting payments for healthcare providers.
14 Nov 2014 Where is the Innovation With Remote Banking and Bill Payment? The motivation to change behavior is attributed to convenience, saving time and reducing expense.
06 Nov 2014 How Bill Payment Exception Items Impact Electronic Routed Payments Home banking bill payment continues to be on the rise, and banks continue to offer it as a free service.
18 Aug 2014 A Lesson in IT Security, Information Privacy, and Pandemic Preparedness Our security-focused blog compilation covers topics including IT security, regulations affecting bill payments, the difference between information security and information privacy, and key considerations for pandemic preparedness.
04 Aug 2014 Improve Working Capital through Account Receivable Automation A business can have a solid product or service but if solid financial processes are not in place, the business can evaporate.