The Growth Story The fintech sector’s momentum is undeniable. In 2024, global fintech revenues surged 21%—more than triple the 6% growth seen in traditional banking (WSJ, Investors.com, BCG, McKinsey). More recently, fintech profit growth has accelerated to 39%, with public fintechs lifting EBITDA margins from 12% to 16%. Today, 69% of public fintech companies are profitable—a milestone for an industry …
The Data Behind the Disruption The manufacturing sector is facing an urgent financial challenge: 63% of manufacturing organizations report late payments from their customers, placing them among the most at-risk industries for cash flow instability (Upflow, The Wall Street Journal, The Guardian). This isn’t an isolated issue—51% of suppliers globally have experienced delayed payments, creating widespread supply chain uncertainty (Versapay, …
A Debt Landscape Under Pressure U.S. credit card balances remain historically high, reaching $1.182 trillion in Q1 2025—only slightly down from the $1.21 trillion peak in late 2024 (Procurement Tactics, LendingTree, Trading Economics). While the dip suggests a momentary easing, it’s overshadowed by a more concerning trend: delinquency rates are still climbing, even among higher-income households (MarketWatch). This isn’t just …
The Numbers Retail Leaders Can’t Ignore Retail is a balancing act—between supply chain agility, inventory turnover, and financial health. Yet, the numbers show a troubling gap: 8.3% of retail sales vanish due to stockouts, and another 4% is lost to invoicing gaps between B2B partners (Financial Times, 2024; Paystand). In the U.S., 55% of B2B invoices are overdue, and 9% …
Real Data, Real Risk The latest numbers don’t lie—U.S. household debt surged to $18.04 trillion in Q4 2024, marking a $93 billion increase over the previous quarter. Even more alarming? Credit card balances alone jumped by $45 billion, reaching an all-time high of $1.21 trillion, according to the Federal Reserve Bank of New York. And delinquencies? They’re creeping up fast. …
The Real Numbers Behind the Pressure In today’s global supply chain, cash flow isn’t just a finance department concern—it’s a production line priority. And the data proves it: 52% of global manufacturers are grappling with delayed payments that directly threaten their ability to deliver at scale (Atradius). In response, China now requires OEMs to settle invoices with suppliers within 60 …
The Fintech Revenue Revolution: Growth with New Risks The global fintech space isn’t just scaling—it’s surging. According to the QED & BCG Global Fintech Report (2025), global fintech revenues soared by 21% in 2024, powered by rapid digital adoption, AI-powered lending, and embedded finance. Even more compelling? 69% of publicly traded fintech firms are now profitable—a milestone that marks a …
The Retail Trifecta: Inventory, Transactions, Receivables In the fast-paced world of retail, profitability depends on precision—from warehouse to register. But here’s the sobering reality: 8.3% of potential retail sales are lost due to stockouts alone (Financial Times, 2024). On the B2B side, it’s no better: 55% of invoices are overdue and 9% go entirely unpaid (Kaplan Collection Agency, 2023). Another …
Imagine this: Your plant is running at full tilt, machines humming, employees on overtime, demand surging… and suddenly, your production grinds to a halt. Not because of a broken machine or supply chain disruption—but because of unpaid invoices choking off your cash flow. This isn’t a hypothetical. A 2024 report by Atradius revealed that 52% of manufacturers worldwide are experiencing …
Let’s get real for a moment. The fintech world keeps rolling out budgeting apps, personal finance dashboards, and AI-driven savings tools faster than most of us can click “download.” And here’s the kicker: while 68.4% of Americans are living paycheck to paycheck (PYMNTS, June 2025), many of these same consumers aren’t using the tools designed to help them stay afloat. …
