Financial institutions face intense pressures from third-party, digital-only players, many of whom are now focused on the business account holder segment with tools that automate point of sale and on-the-spot transactions. They, along with well-known tech giants, are impacting the pace of innovation in the retail banking space. As a result, emerging trends projected to accelerate in the next decade are coming to fruition right before our eyes. At the same time, these third-parties are stripping banks and credit unions of their existing customers. How can traditional FIs leverage their existing, trusted relationships to avoid attrition by offering competitive digital invoicing and payments tools?