在里面first installmentof our interview with Traxypay’s John Bruggeman, we explored the background that led him to see an opportunity with Traxpay to target the payments area to extend the reach of purchase-to-pay, order-to-cash, supplier network and related solutions to an expanded set of suppliers. Today, we continue the discussion. Enjoy!
杰森：为什么不支付技术持续？在过去的十年中，支持发票，采购，财务管理，商品管理等的工具。发货发生了什么？
约翰: It’s really simple in theory, but I’ll give you a contradictory answer because nothing about payments is actually simple. Payments are complicated. It turns out that moving money from point A to point B is difficult.
There are regulatory requirements. The government gets involved. There are security and encryption requirements that are complex. There are lots of players who are involved in different aspects of the payment and you need to accommodate or get everyone to agree on certain data, authentication and connectivity standards.
最后，让我们面对它 - 银行让它非常好。他们没有动力创新或发展。这就是为什么创新来自非传统场所的原因。银行正在考虑来自整个不同角度的问题 - 保持他们的业务。
然而，这个世界即将完全改变。看着垒软as an example. Earlier this month, Basware announced multiple products – BaswarePay, Basware Factoring and Basware Discounting. “Pay” is extended payment terms. Factoring is traditional supply side factoring. Basware discounting is a dynamic discounting application.
您传统上没有看到像垫牌这样的公司。但他们挑战了现状。为了成功，他们必须进行动态支付来完成价值主张 - 这完成了对解决和贴现的承诺。
杰森:为什么对这些公司以前没有针对的公司是重要的？
约翰：对于这些新兴领域的Basware和其他人，在未完成它并通过付款关闭循环的情况下，它将无法设置处理。动态付款是这些应用程序的Lynchpin - Basware是这类企业软件公司的第一个制作这些公告。Basware刚刚成为市场。其他人将遵循，因为市场将有利于早期推动者。
E-invoicing alone and connectivity via networks is commoditizing fast. It is a pretty tough industry with pricing per invoice or per transaction declining. But now, by getting involved directly into cash hits a supplier’s account – and then the subsequent transactions, if applicable, are also settled with payments routed and received – they’ll be able to price their services on the basis of the transaction itself. This brings entirely new revenue streams. You can’t do that unless you complete the payment.
杰森：银行是问题的一部分或解决方案的一部分 - 还是两者？
约翰：挑战是，在B2B环境中，数据与移动货币一样重要。你不能将这两件事分开。如果您查看银行和传统的卡网络，它们在企业数据领域并不强大。
You need to be able to get data in and out of the ERP system. You need to be able to get data in and out of the P2P or O2C system. You need to get data out of CRM. And you also need to get data out of bank. Even the most advanced banks in the world don’t connect well into enterprise systems and get that data.
Think about a simple factoring use case. I need to know invoice status – is it pending or approved? Is it approved to be factored? Is it approved for instant payment? Is it approved to be processed process in a standard fashion? A bank does not have access to this information today dynamically.
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