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Organizations of all sizes are tasked with finding ways to improve working capital efficiency. One area that is currently ripe for improvements in both technology and process is the ever-changing landscape of business-to-business and business-to-consumer payments.

Most organizations still issue many checks, albeit at a declining rate. A common goal within accounts payable (A/P) departments is to eliminate all paper-based payments, but very few organizations have reached this goal. In fact, few companies have a clear view of when they can expect checks to disappear entirely from their payment mix. The reality is that check payments continue to be appropriate in many circumstances. Checks remain a necessary payment option that companies must continue to manage now and into the foreseeable future.

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