GLOBAL B2B PAYMENT TRENDS 2018

PUBLICATION DATE: OCTOBER 2018

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CHARTS I PAGE 7 METHODOLOGY I PAGE 8 RELATED REPORTS I PAGE 9 CLIENTS I PAGE 10-11 FREQUENTLY ASKED QUESTIONS

PAGE 12 ORDER FORM I PAGE 13 TERMS AND CONDITIONS

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Global B2B Payment Trends 2018

Report

Payment

Global, Asia-Pacific, Europe, North America

Canada, China, Germany, UK, USA

English

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QUESTIONS

ANSWERED

IN THIS REPORT

How large is the global B2B payment value predicted to be by 2028?

What are the top trends in B2B payments worldwide?

Which technologies are disrupting the B2B payments space?

What are the latest payment developments in global B2B E-Commerce?

Which companies are expected to benefit the most from the B2B payments growth?

SECONDARY MARKET

RESEARCH

Our reports are exclusively based on secondary market research. Our researchers derive

information and data from a variety of reliable published sources and compile the data into

understandable and easy-to-use formats.

ADVANTAGES Maximum Objectivity

Reliable Sources

Up-To-Date Analysis

Boardroom-Ready PowerPoint Presentations

Guidance For Strategic Company Decisions

GLOBAL B2B PAYMENT TRENDS 2018

DIGITAL TRANSFORMATION DRIVES THE GROWTH OF B2B PAYMENTS WORLDWIDE

B2B payment is the largest segment of the global payments market. Trillions of U.S.

dollars are transacted between businesses annually, with robust growth expected for the

next ten years. Driven by the expansion of the technology-powered B2B payment offerings

of the leading FinTech companies, card networks and software solution providers, and the

adoption of E-Commerce by businesses, corporate payments are becoming increasingly

digitalized. According to a 2018 survey cited in the yStats.com report, one-half of global B2B

payments are already made electronically with further shift towards digital transfers

expected in the next two to five years.

New technologies such as big data analytics, artificial intelligence, machine learning,

and instant payments are expected to help businesses reduce inefficiencies in the complex

B2B payments processes and tackle the problem of payment delays. The share of past due

B2B payments ranges by region from one-third to more than one-half of all B2B receivables,

according to the latest data cited in the yStats.com report. Furthermore, FinTech is

disrupting the cross-border B2B payments space, with their share of transaction value

projected to increase through 2022.

The growth of global B2B E-Commerce, projected to become more than double the

size of the B2C online market over the next two years, is another disruptor of the B2B

payments space. While traditional card payments lead the current B2B E-Commerce

payment offerings, more businesses start to offer mobile payment options to their clients.

Data from 2018 cited in the yStats.com report indicates the growing comfort of treasurers in

using mobile payment applications.

GLOBAL B2B PAYMENT TRENDS 2018

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MANAGEMENT SUMMARY

GLOBAL DEVELOPMENTS

B2B Payment Trends, September 2018

B2B Payment Value, in USD trillion, 2018e & 2028f

Breakdown of the Monthly Volume of Transactions Paid by Card and by ACH/Check/Wire, in % of Businesses, May

2018

Breakdown of the Number of Banks and Currencies Used in Payments, in % of Businesses, May 2018

Share of Past Due B2B Receivables, in %, by Domestic and Foreign Payments, by Selected Regions, 2014 - 2018f

Average Payment Duration by Invoice Due Day and Payment Delay, in Days, by Domestic and Foreign Payments, by

Selected Regions, 2017 & 2018f

Share of B2B Payments Made Electronically According to Accounts Payable and Finance Leaders, in %, May 2018

Expected Evolution in Accounts Payable (AP), by Expected in Two Years and in Five Years, in % of Accounts Payable

and Finance Leaders, May 2018

Share of Corporate Treasurers Who Believe That Operational Model of Their Company is Changing as a Result of

Sector Disruption, in %, June 2018

Top 3 Disruptions to Existing Business Models According to Corporate Treasurers, in %, June 2018

Breakdown of Disruptors Expected by Corporate Treasurers to Have the Greatest Impact on Treasury Functions and

Payments in the Next 2-3 Years, in %, 2017

Breakdown of the Relative Importance of Blockchain and APIs for Outbound Payments, in % of Corporate

Treasurers, 2017

Top 3 Technologies Most Beneficial to Their Organizations According to Corporate Treasurers, in %, June 2018

Top 3 Uses of FinTechs According to Corporate Treasurers, in %, June 2018

Interest in Moving from the Current Solution to a New Solution, in % of Respondents Among Corporate Treasurers,

and Share of Respondents Planning to Continue with the Current Provider, in %, June 2018

Trust in Providers Among Corporate Treasurers as Expressed in the Trust Index, by Region and Global, June 2018

Cross-Border B2B Transactions Facilitated by FinTech and Disruptive Technologies, in USD trillion and in % of All

Cross-Border B2B Transactions, 2017 & 2022f

B2B E-Commerce Sales Compared to B2C E-Commerce Sales, in USD trillion, 2020f

Top 4 Features Most Important to B2B E-Commerce Buyers, incl. “Payment Options”, in % of Respondents, March

2018

Top 4 Payment Methods Accepted in B2B E-Commerce, in % of International B2B E-Commerce Companies, March

2018

Share of B2B E-Commerce Companies Accepting Payment by Mobile Wallet, in %, March 2018

Share of Treasurers Indicating Their Comfortability With Mobile B2B Payment Applications Has Improved Over the

Past Year, in %, May 2018

Overview of 11 Publicly Traded Companies Expected to be the Most Exposed to the B2B Payments Opportunity Over

the Next Five Years, September 2018

ASIA-PACIFIC

3.1. REGIONAL

Top Technology-Related Trends for B2B E-Commerce, incl. “Payment Solutions”, in % of B2B Companies, September

2018

3.2. CHINA

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GLOBAL B2B PAYMENT TRENDS 2018

TABLE OF CONTENTS (1 OF 2)

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Share of Companies Experiencing Payment Delays of Over 120 Days, in %, 2016 & 2017

Top 2 Reasons for Payment Delays in B2B Payments, by Domestic and Foreign Customers, in % of Respondents,

2017

Breakdown of Third-Party Online Payment Providers Used by B2B E-Commerce Sellers, in % of B2B E-Commerce

Sellers Using Third-Party Payment Platforms, October 2016

NORTH AMERICA

4.1. REGIONAL

Channels Used by Companies to Receive Invoices, in % of Respondents, by Company Size, Q1 2018

Breakdown of Payment Methods Used by Companies to Pay Invoices, in % of Respondents, by Company Size, Q1

2018

4.2. USA

B2B Payments Value, Compared to B2C and C2C Payments, in USD billion, 2016

Breakdown of B2B Payments by B2B E-Commerce and Other B2B Payments, in USD trillion, 2014 & 2020f

Breakdown of B2B Payments by Payment Method As Perceived by Companies, in %, 2014, 2017e & 2020f

Breakdown of Expected Costs of Real-Time B2B Payments, in % of Respondents Among Top Banks, Q1 2018

Breakdown of Willingness to Offer Corporate Clients 24/7 Support for Real-Time Payments, in % of Respondents

Among Top Banks, Q1 2018

4.3. CANADA

Breakdown of B2B Payments by Method, in %, 2016

Credit Card’s Share of Business Spending, by SMEs and Large Businesses, in %, 2016

EUROPE

5.1. REGIONAL

Top 3 Reasons for Payment Delays in B2B Payments, in % of Respondents, April 2017

5.2. UK

Number of B2B Payments, in billions, 2016 & 2017

Clearing Systems Used by Finance Decision Makers at UK’s Top Private and Public Organizations to Make B2B

Payments, in % of Respondents, May 2018

5.3. GERMANY

Payment Methods Offered in B2B Online Shops, by Offered to New and Existing Customers, in % of B2B Online

Shops, July 2018

Evaluation of Importance of Payment Methods in B2B Commerce in Five Years, by High Relevance and Medium

Relevance, in % of B2B Experts, and Change Between 2018 and 2023f, in %, July 2018

Breakdown of Processing Payment Methods by In-House and Through External Provider, by Payment Methods, in %

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GLOBAL B2B PAYMENT TRENDS 2018

TABLE OF CONTENTS (2 OF 2)

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of B2B Online Shops, July 2018

Most Important Factors in Choosing a Payment Service Provider in B2B E-Commerce, by High Relevance and

Medium Relevance, in % of B2B Online Shops, July 2018

Measures Used by B2B Online Shops to Reduce Risk, in %, July 2018

GLOBAL B2B PAYMENT TRENDS 2018

REPORT-SPECIFIC SAMPLE CHARTS

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GENERAL METHODOLOGY OF OUR MARKET REPORTS

GLOBAL B2B PAYMENT TRENDS 2018

METHODOLOGY

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Secondary Market Research

The reports are compiled based on secondary market research.

Secondary research is information gathered from previously published

sources. Our reports are solely based on information and data acquired

from national and international statistical offices, industry and trade

associations, business reports, business and company databases,

journals, company registries, news portals and many other reliable

sources. By using various sources we ensure maximum objectivity for all

obtained data. As a result, companies gain a precise and unbiased

impression of the market situation.

Cross referencing of data is conducted in order to ensure

validity and reliability.

The source of information and its release date are provided on

every chart. It is possible that the information contained in one chart is

derived from several sources. If this is the case, all sources are mentioned

on the chart.

The reports include mainly data from the last 12 months prior

to the date of report publication. Exact publication dates are mentioned in

every chart.

Definitions

The reports take into account a broad definition of B2C E-

Commerce, which might include mobile commerce. As definitions may

vary among sources, exact definition used by the source (if available) is

included at the bottom of the chart.

Chart Types

Our reports include text charts, pie charts, bar charts, rankings,

line graphs and tables. Every chart contains an Action Title, which

summarizes the main idea/finding of the chart and a Subtitle, which

provides necessary information about the country, the topic, units or

measures of currency, and the applicable time period(s) to which the data

refers. With respect to rankings, it is possible that the summation of all

categories amounts to more than 100%. In this case, multiple answers were

possible, which is noted at the bottom of the chart.

Report Structure

Reports are comprised of the following elements, in the following

order: Cover page, preface, legal notice, methodology, definitions, table of

contents, management summary (summarizing main information

contained in each section of report) and report content (divided into

sections and chapters). When available, we also include forecasts in our

report content. These forecasts are not our own; they are published by

reliable sources. Within Global and Regional reports, we include all major

developed and emerging markets, ranked in order of importance by using

evaluative criteria such as sales figures.

Notes and Currency Values

If available, additional information about the data collection, for

example the time of survey and number of people surveyed, is provided in

the form of a note. In some cases, the note (also) contains additional

information needed to fully understand the contents of the respective data.

When providing information about amounts of money, local

currencies are most often used. When referencing currency values in the

Action Title, the EUR values are also provided in brackets. The conversions

are always made using the average currency exchange rate for the

respective time period. Should the currency figure be in the future, the

average exchange rate of the past 12 months is used.

METHODOLOGY OF OUR GLOBAL B2B PAYMENT TRENDS 2018

Report Coverage

This report covers the B2B payment market with a focus on

global developments and trends. Information both about total B2B

payment (all channels) and B2B E-Commerce payment specifically was

included.

In addition to global developments, selected regional and

country insights from three regions are provided, including Asia-Pacific,

Europe and North America.

Report Structure

The report opens with a global chapter. It contains information

on global B2B payment developments. These include data on the current

size and projections for the B2B payments market. Furthermore, market

trends such as digital transformation and technological disruption are

covered on both quantitative and qualitative (text) charts. In addition, an

overview of the publicly traded companies from the cards, payments and

software sectors that are expected to be the most exposed to the B2B

payments growth is included.

Regional chapters follow, ranked by B2B payments market size

and potential: Asia-Pacific, North America and Europe. Selected quantitative

information for the major markets in these regions, including the USA,

Canada, China, Germany and the UK, was provided to exemplify the global

trends in general B2B payments and business-to-business E-Commerce

payments. The type and scope of information included per country and

region varied due to data availability and is intended to illustrate the overall

market developments rather than cover the specific geographies.

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Global B2B E-Commerce Market 2018

Global Online Payment Methods: Full Year 2017

Global Alternative Online Payment Methods: Full Year 2017

Europe Online Payment Methods: Full Year 2017

APAC Online Payment Methods: Full Year 2017

North America Online Payment Methods: Full Year 2017

Latin America Online Payment Methods: Full Year 2017

Middle East and Africa Online Payment Methods: Full Year 2017

Online Retail in Emerging Markets 2018

Global B2C E-Commerce Market 2018

Global E-Commerce Marketplaces 2018

Global Cross-Border B2C E-Commerce 2018

Europe Cross-Border B2C E-Commerce 2018

Asia-Pacific Cross-Border B2C E-Commerce 2018

Europe B2C E-Commerce Market 2018

Western Europe B2C E-Commerce Market 2018

Eastern Europe B2C E-Commerce Market 2018

Asia-Pacific B2C E-Commerce Market 2018

Southeast Asia B2C E-Commerce Market 2018

Africa B2C E-Commerce Market 2018

Middle East B2C E-Commerce Market 2018

September 2018

July 2018

July 2018

June 2018

June 2018

July 2018

July 2018

July 2018

August 2018

July 2018

March 2018

September 2018

September 2018

September 2018

September 2018

September 2018

August 2018

June 2018

May 2018

March 2018

January 2018

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UPCOMING RELATED REPORTS

REPORT PUBLICATION

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Latin America B2C E-Commerce Market 2018

North America B2C E-Commerce Market 2018

October 2018

November 2018

€ 1,950

€ 950

GLOBAL B2B PAYMENT TRENDS 2018

MARKET 2018

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