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As the coronavirus crisis hurts cash flow, Corcentric advises to focus on tech solutions that help people
April 2, 2020 | Spend Matters Brand Studio
The coronavirus outbreak has required a sweeping plan of social distancing to stem its spread, and people have responded by staying home and limiting their exposure to others. That helps public health, but it is disrupting businesses around the world. With unprecedented shocks to supply and demand across most industries, businesses will need help with…
The contagion effect, COVID-19 and invoice finance
April 2, 2020 | David Gustin
Providing receivable finance as a technology company poses risk precisely because the potential outcomes are overwhelming and cannot be predicted, no matter how good the underwriting. We risk being fools of forecasts built on historical cash-flow expectations, modeling and simulations.
Basware: Vendor Snapshot Update (Part 2) — Product Strengths & Weaknesses - [PRO Content]
December 17, 2019 | Xavier Olivera
Basware, a Nordic procure-to-pay (P2P) provider that until recently adopted a conservative global growth strategy, is not as well known outside its customer base for its set of differentiated and robust capabilities, especially in the AP automation, e-invoicing and supplier network areas. Through its acquisition of Verian, it added sufficient e-procurement capability to compete against other…
SoftBank invests $1.65 billion in supply chain finance. Why?
December 11, 2019 | David Gustin
At $100 billion, the SoftBank Vision Fund is both the largest private equity fund ever raised and one of the most complicated. On the heels of some public wounds with the likes of WeWork and Uber, I wondered why the keen interest in supply chain finance (SCF).
GEP: Vendor Snapshot (Part 5) — Solution Weaknesses - [PRO Content]
September 10, 2019 | Michael Lamoureux, Xavier Olivera, Pierre Mitchell and Jason Busch
In Spend Matters’ previous installment of our seven-part GEP review, we called out some of the real strengths of the SMART by GEP platform, including some that are rare in the market today. In this Part 5, we are going to balance our analysis by also pointing out some of the "weaknesses" of the platform,…
What Happens When Machine Learning Finance Models Fail
September 3, 2019 | David Gustin
These are some strange times. Look, we have $16 trillion of negative yielding bonds, that’s T, for trillion. I’m asked by non-financial people why anyone would want to buy negative yields (you pay to hold them, btw) and I reply, it’s not about income, it’s about trading that rates will fall further. Which got me…
Dynamic Discounting: Backdrop, Definitions, and Enablers - [Plus + Content]
August 30, 2019 | Jason Busch and David Gustin
Editor's note: This is a refresh of our 2014 series on dynamic discounting, which originally ran on Spend Matters PRO. This Spend Matters Plus brief provides a primer on one of the timeliest topics in receivables and payables finance: dynamic discounting. Note that by receivables financing we mean the selling or other leveraging of “receivables”…
The Fallacy of Non-Recourse Invoice Finance
August 1, 2019 | David Gustin
In life it is important to distinguish between marketing and reality. When it comes to invoice finance, one marketing myth that has persisted is that non-recourse invoice finance shifts payment risk from seller to funder. Unfortunately, non-recourse factoring is one of the most misunderstood subjects in commercial lending. As a result, companies undertaking some form…
Blockchain and Digital Invoice Finance — What’s Missing?
July 2, 2019 | David Gustin
Similar to an idea in the movie "Inception," blockchain has been imprinted on our brains as the solution for just about everything. But recently, a number of articles have taken a negative perspective on blockchain. Now I for one am never about technology for technology’s sake. But let’s not throw the baby out with the bathwater. Distributed…
Deferred Buyer Payment Solutions: The Search for the Holy Grail
June 6, 2019 | David Gustin
David Gustin is the chief strategy officer for The Interface Financial Group responsible for digital supply chain finance and is a contributing author to Trade Financing Matters. Most discussions about early payment solutions focus on buyer-centric models, ones that scale by bringing technology, managed services and perhaps some underwriting to offer supplier finance. This is…
Goldilocks, Capital Structure and Supply Chain Finance
May 2, 2019 | David Gustin
David Gustin is the chief strategy officer for The Interface Financial Group responsible for digital supply chain finance and is a contributing author to Trade Financing Matters. “Ahhh. This porridge is just right.” — from “Goldilocks and the Three Bears” The Goldilocks principle is named by analogy to the children's story “The Three Bears,” in…
What’s the Big Deal Behind Vodafone’s Supply Chain Finance Program?
April 17, 2019 | David Gustin
David Gustin is the chief strategy officer for The Interface Financial Group responsible for digital supply chain finance and is a contributing author to Trade Financing Matters. In a recent TXF article on Vodafone's supply chain finance program and its early pay program, Oliver Gordon, features editor, said: “Vodafone has been using complex financial engineering…

SolutionMap easy-lookup chart: Grid shows all 69 vendors and the procurement technology category they’re in : JP Morris said : Fiverr isn't in SolutionMap yet, but maybe it will join for a future release. Spend Matters does ext...

SolutionMap easy-lookup chart: Grid shows all 69 vendors and the procurement technology category they’re in : Darcy said : Should fiverr be on the list?...

“Ariba Doesn’t Have Customers, It Has Prisoners” : Kerry said : Thank god there are other people that understand that Ariba scams small businesses by charging them ...

Coupa CEO implores procurement pros to lead businesses through the coronavirus crisis : Jason Busch said : Joe, You are entitled to your opinion. But what I will say is that folks like Coupa (via a joint bu...

Coupa CEO implores procurement pros to lead businesses through the coronavirus crisis : Joe Harold said : Been a long time since I have seen such a badly pitched article. Apparently Coupa are positioning th...