Payments Pulse Data Payments Trends Survey Results
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1 Payments Pulse Data Payments Trends Survey Results 1
2 TABLE OF CONTENTS I. Methodology and Sample Characteristics...3 II. Survey Highlights...4 III. Graphs and Tables...6 2
3 METHODOLOGY AND SAMPLE CHARACTERISTICS Zogby Analytics was commissioned by WEX Inc to conduct an online survey of 500 CFOs nationwide. Using internal and trusted interactive partner resources, thousands of adults were randomly invited to participate in this interactive survey. Each invitation was password coded and secured so that each respondent could only access the survey one time. Based on a confidence interval of 95%, the margin of error for 500 is +/- 4.4 percentage points. This means that all other things being equal, if the identical survey was repeated, its confidence intervals would contain the true value of parameters 95 times out of 100. Subsets of the data have a larger margin of error than the whole data set. As a rule we do not rely on the validity of very small subsets of the data, especially sets smaller than respondents. At that subset we can make estimations based on the data, but in these cases the data is more qualitative than quantitative. Additional factors can create error, such as question wording and question order. ABOUT ZOGBY ANALYTICS Zogby Analytics is respected nationally and internationally for its opinion research capabilities. Since 1984, Zogby has empowered clients with powerful information and knowledge critical for making informed strategic decisions. The firm conducts multi-phased opinion research engagements for banking and financial services institutions, insurance companies, hospitals and medical centers, retailers and developers, religious institutions, cultural organizations, colleges and universities, IT companies and Federal agencies. Zogby s dedication and commitment to excellence and accuracy are reflected in its state-of-the-art opinion research capabilities and objective analysis and consultation. 3
4 SURVEY HIGHLIGHTS Current payments processing practices of surveyed companies Almost three-fourths (72%) of surveyed companies have an electronic payables initiative underway and, of those considering one (26%), 93% are working to launch an electronic payables paperless strategy in the next 6-12 months. Larger companies are more likely to have electronic payable initiatives underway. These decisions are motivated primarily by process improvement (82%), reducing operational costs (70%) and environmental concerns (70%) as well as security (64%). Almost all surveyed businesses either currently use outsourced platforms or technologies to perform account payables (57%), or plan to do so in the next 6-12 months (28%). Almost all surveyed businesses would consider a vendor outside of their current bank or financial insitutions to help with payments: 52% are very likely and 38% are somewhat likely to consider an outside vendor. Payments platform selection is most influenced by overall user experience (71%), reporting analytics (60%) and speed of reconciliation capabilities (60%). Vendor status within the industry (51%) and practical usage of AI/ Machine-based learning and advanced business intelligence are of medium importance (40%), while AR/VR is a major factor for only 18% of surveyed CFOs. Viewpoints on disruptive technologies Almost all surveyed CFOs are confident (61% extremely confident and another 35% somewhat confident) in their understanding of the function and capabilities of blockchain and distributed ledger technologies. Large companies (annual revenue >$51m) CFOs are even more confident in their understanding of blockchain and distributed ledger technologies, with over 70% saying they are extremely confident. Half of CFOs expect blockchain or distributed ledger technologies to change how their accounts payable operate in the next 6-12 months and another 44% believe it will allow their business to scale more quickly and internationally. Mobile capabilities to manage and approve payments (55%), mobile payments (55%) and blockchain (54%) are considered to be very important by most CFOs. CFOs from larger companies (annual revenue >$51 million) are more likely to believe that augmented/virtual reality and machine-based learning will be very important in the next two years. 4
5 Payment processing companies are seen as the leader in the field Payment processing companies are considered most likely to disrupt the payments industry in the next months (39%), followed closely by big banks (32%). Fintech startups are considered most likely to disrupt payments industry by 16% of surveyed CFOs. 5
6 What is your company s annual revenue? Which of the following best describes the number of employees in your company? $51M - $100M 21% More than $100M 15% $26M - $50M 23% $5M - $25M 41% More than % % % What region is your company located in? West 26% East 30% Central Great Lakes 18% South 26% 6
7 What industry is your company in? INDUSTRY FREQUENCY Agriculture 8 Automobile/Transportation 15 Academia 5 Biotech/Pharmaceuticals 11 Electronics 22 Finance/Banking 71 Healthcare 32 Government 10 Hospitality/ Food and Beverage 9 IT - Hardware 40 IT - Software 71 Infrastructure/ Construction 33 Legal 9 Manufacturing 61 Media/ Entertainment 5 Real Estate 11 Retail 32 Security 2 Technology 42 Utilities 4 Other 7 7
8 Does your business have an electronic payables initiative underway or are you considering one? Not considering one 1% 1% Considering one 26% Payables initiative underway 72% Which scenario more likely applies? We are working to launch an electronic payables paperless strategy in the next 6-12 months 93% We are working to launch an electronic payables paperless strategy in the next 1-3 years 7% 8
9 What is motivating this decision? (Select all that apply) Environmental concerns 70% Process improvement 82% Reduce operational costs Security 64% 70% Other 1% How do you expect blockchain or distributed ledger technologies to impact your business in the next 6-12 months? It will change how our accounts payable operates 50% It will allow our business to scale more quickly and internationally 44% It will not affect our business 5% It has already affected our business 1% 9
10 How confident or not confident are you in your understanding of the function and capabilities of blockchain or distributed ledger technologies? 3% 1% 0% 35% 61% 10
11 Which industry do you think will be the first to successfully implement blockchain? Retail 20% Real Estate Insurance 8% 12% Travel 4% Healthcare 9% Media 4% Finance/ Banking 40% Not Sure Other 3% 0% 11
12 How important or not important is the capability to transact in international currencies to your business? Not too important 3% Not at all important 3% 0% Somewhat important 30% Very important 64% 12
13 Does your business currently use outsourced platforms(s) or technology to perform accounts payable? Yes 57% We will begin outsourcing AP in the next 6-12 months 28% We are discussing internally and aim to make a strategic decision on outsourcing in the next months 9% No plans 6% What current payment processing options is your business using? (Select all that apply) Check 79% ACH 52% Virtual Card 63% Mobile Payments 68% Wire Payments 47% 13
14 How likely or not likely is your business to consider a vendor outside of your current bank or financial institution to help with payments? Not at all likely 2% 1% Not too likely 6% Somewhat likely 38% Very likely 52% On a scale of 1 to 5 with 1 being strongly disagree, 3 being neutral, and 5 being strongly agree, do you agree or disagree with the following statements 5 - Strongly agree 2 - Somewhat disagree 4 - Somewhat agree 1 - Strongly disagree 3 - Neutral Payments providers should do more to offer you innovative technology (e.g., flexible user interface, seamless API, advanced analytics, reporting, etc.)? 47% 30% 10%6% 7% Consumer behaviors strongly influence business use of payment innovators (e.g., mobile payments, peer-to-peer payments, etc.) 48% 29% 10% 3 8% 14
15 Which group within the marketplace do you think is most likely to disrupt the payments industry in the next months? Fintech startups 16% Big banks Payment processing companies 32% 39% Collaboration between smaller and larger firms 8% 5% 15
16 Which industry in the most innovative with respect to payments? Retail 20% Real Estate Insurance Travel Healthcare Media 8% 10% 10% 6% 7% Finance/ Banking 36% Not Sure Other 3% 0% 16
17 Does your business use cloud payments (Software as a Service to execute payments)? Yes 57% We intend to implement a cloud based system in the next 6-12 months 29% We are discussing internally and aim to make a strategic decision on using cloud payments in the next months No plans 8% 5% Which of the following most influences your payments platform selection? (Select all that apply) Overall user experience 71% Reporting analytics 60% Vendor status within the industry 51% Speed of reconcilliation capabilities Practical usage of AI (Artificial Intelligence) / Machine-Based Learning and advanced business intelligence AR/VR (Augmented/Virtual Reality) 18% 40% 60% Other 0% 17
18 Agree or disagree with the following statement: I trust a cloud based system to keep AP secure more than a locally hosted Enterprise Resource Planning System Strongly disagree 2% Somewhat disagree 7% 2% Somewhat agree 42% Strongly agree 46% Which of the following most influences your payments platform selection? (Select all that apply) Cost/ fee structure Service (e.g., responsive account team, knowledgeable IT support, etc) Security of systems and transactions 62% 62% 68% Ability to consistently manage and execute new innovations Ability to remain compliant with industry regulations 21% 34% 2% 18
19 How important do you think the following technology will be to your business in the next 2 years? 5 - Very important 2 - Not too important 4 - Somewhat important 1 - Not at all important 3 - Neutral Blockchain 54% 29% 11% 2 31 Cloud payments 48% 35% 12% 3 1 AR/VR (Augmented/Virtual Reality) 37% 37% 17% 5 22 Artificial Intelligence / Machine-Based Learning 40% 37% 15% 4 23 Data mining/ business intelligence 46% 38% 12% 311 Mobile payments 55% 32% 9% 2 2 Mobile capabilities to manage, approve payments 55% 30% 11% 212 Which of the following aspects of accounts payable are the most important to your suppliers? (Select up to 3) Data associated with payments 42% Speed of payments 68% Security of payments 74% Cost of acceptance 28% Guaranteed payment 34% 1 19
20 Agree or disagree with the following statement: Maintaining a postive relationship with my suppliers is equally as important as implementing new technologies Somewhat disagree 5% Strongly disagree 2% 1% Somewhat agree 31% Strongly agree 61% 5 - Very important How important are the following attributes of a payments provider? 4 - Somewhat important 3 - Neutral 2 - Not too important 1 - Not at all important Customer Service 69% 20% 8% 1 3 Knowledgeable IT 58% 31% 8% 111 Fees/ revenue share 51% 38% 7% 111 Security 67% 23% 7% 21 Innovativeness 55% 31% 11%
21 How important are the following aspects of payments to your business? 5 - Very important 4 - Somewhat important 3 - Neutral 2 - Not too important 1 - Not at all important Mobile payments 59% 28% 9% 2 2 Surcharges 40% 42% 14% 2 2 Currency fluctuations 48% 36% 10% Security of Transactions 71% 20% 6% 21
22 Submitted to: WEX Inc Havas PR Submitted by: Zogby Analytics Jonathan Zogby Chief Executive Officer Chad Bohnert Chief Marketing Officer Marc Penz Systems Administrator Zeljka Buturovic Survey Statistician June 2017 Zogby Analytics 901 Broad Street Utica, New York zogbyanalytics.com
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