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1 https://www.statista.com/statistics/1224510/time-spent-per-day-on-smartphone-us/#:~:text=According%20to%20a%20survey%20conducted,average%20on%20their%20phone%20daily. 2 https://techjury.net/blog/how-much-time-does-the-average-american-spend-on-their-phone/#gref 3 https://ntctexas.com/new-study-reveals-83-of-consumers-want-to-pay-bills-online 4 https://www.prnewswire.com/news-releases/69-of-digital-payment-users-are-concerned-with-security-issues-but-majority-still-use-platforms-monthly-301020313.html 5 https://www.highradius.com/resources/Blog/how-to-improve-collections-and-dunning-processes/ 6 https://www.campaignmonitor.com/blog/email-marketing/roi-showdown-sms-marketing-vs-email-marketing/#:~:text=Research%20shows%20that%20SMS%20open,to%20respond%20to%20an%20email. 7 https://www.campaignmonitor.com/blog/email-marketing/roi-showdown-sms-marketing-vs-email-marketing/#:~:text=Research%20shows%20that%20SMS%20open,to%20respond%20to%20an%20email. 8 https://docs.globalpaymentsinc.com/v/2021-outlook-five-payment-trends-transforming-commerce-us 9 https://docs.globalpaymentsinc.com/v/2021-outlook-five-payment-trends-transforming-commerce-us 10 https://www.pwc.com/us/en/advisory-services/publications/consumer-intelligence-series/pwc-consumer-intelligence-series-customer-experience.pdf 11 https://mastercardcontentexchange.com/newsroom/press-releases/2020/april/mastercard-study-shows-consumers-globally-make-the-move-to-contactless-payments-for-everyday-purchases-seeking-touch-free-payment-experiences/ 12 https://www.simplus.com/costs-manual-reconciliation/ 13 https://www.highradius.com/resources/Blog/how-to-improve-collections-and-dunning-processes/
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