A perfect storm—rising vehicle prices, persistent inflation, elevated interest rates, softening credit approvals, and supply-chain rebalancing—has collided to reshape the financial backbone of the automotive industry. The result? Higher delinquencies, increased charge-offs, and growing pressure on accounts receivable portfolios across OEMs, lenders, and dealerships. Caine & Weiner’s 90+ years in receivables management gives us a front-row view of this shift. …
Banking and commercial real estate (CRE) have always been interconnected. When CRE performs well, banks enjoy predictable income streams, stable deposits, and manageable risk exposures. But when CRE weakens—banks feel it first, and they feel it hard. Today, that pressure is reaching a critical point. Office vacancies remain historically high. The shift to hybrid work continues to reduce demand. Maturing …
Once upon a time, “recurring revenue” sounded like magic. You built it once, subscriptions kept flowing, and spreadsheets smiled. But in 2025, even SaaS companies are realizing — recurring doesn’t mean guaranteed. As venture capital cools, renewals wobble, and enterprise budgets tighten, the subscription economy is learning a hard truth: retention is the new acquisition. And behind every unpaid invoice …
Once upon a time, automakers worried about horsepower. Now? It’s cash flow power. In 2025, the auto industry isn’t just battling electric transitions and supply chain turbulence — it’s navigating a financing slowdown that’s stalling engines across the board. And for many OEMs and dealerships, it’s not inventory or interest rates that hurt the most. It’s late payments. The Cash …
The Delayed Payment Dilemma The finance sector thrives on precision, predictability, and trust—but late payments are throwing a wrench in the works. According to Atradius and PYMNTS, 56% of finance-sector companies report increased late B2B payments in 2024, with average invoice terms stretching past 70 days. That’s up nearly 20% from pre-pandemic norms. This delay is more than a nuisance. …
Small Share, Massive Momentum Fintech might only account for 3% of global banking and insurance revenues today, but don’t let that number fool you—it’s growing at three times the rate of traditional incumbents (BCG). And here’s the kicker: a small set of scaled fintechs, those crossing the $500M annual revenue mark, now capture 60% of all industry revenue. In other …
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. …
If you’re in fintech, you already know: the mobile wallet revolution is no longer on the horizon—it’s here. According to PYMNTS Intelligence, mobile wallets now account for 21% of all in-store purchases globally, a figure that’s surged nearly 11% since 2022. Consumers are embracing tap-to-pay, biometric security, and digital convenience at record speed. That’s incredible progress—but let’s pause and ask …
In manufacturing, every piece matters. From raw materials to finished goods, seamless operations are the key to staying competitive. But what happens when your cash flow—the fuel that powers your business—gets disrupted by late payments? We see it far too often. The machines are running, orders are shipping, but invoices are gathering dust. And that’s where the hidden cost of …
Have you noticed? Something’s shifting in the consumer landscape. A fresh Equifax report shows 1.4 million Americans recently missed a credit payment—and at the same time, overall consumer spending just hit a three‑year low. Sounds like a storm on the horizon—and it is, for businesses in retail, finance, and B2C services. So, what’s really happening here? Simply put: consumers are …
