The Orchestration Era of B2B Payments
The decade ahead belongs to platforms that route across bank rails, not platforms that pick one. What changes when multi-bank orchestration becomes the default, and why most middleware vendors will not survive it.
By 2030: One Human and One Agent
A falsifiable prediction about the B2B AP function. The agent runs settlement. The human handles exceptions. The losers are any platform that stops at workflow and never reaches the rail.
Authorization Without Identity
AI agents can initiate payments. The settlement layer still expects a person. Why this gap is about to become a payments infrastructure problem, and what gets built to close it.
Building an $8B Virtual Card Operation Inside a Healthcare Clearinghouse
How a legacy print-and-mail remittance business became an $8B virtual card operation, and what it took to deliver $80M of net-new revenue in 18 months. The operating decisions a 350-person, $400M P&L organization actually has to get right inside the largest US healthcare clearinghouse.
Why Healthcare AP is the Last Stronghold of Paper Checks
$1.7T moves between US health systems and their suppliers each year. The B2B AP function inside healthcare runs on print-and-mail at a rate the rest of the economy abandoned a decade ago. Why the friction is structural, and what breaks it.
The Operator Playbook: Five Roles, One Pattern
One repeatable pattern across five operating roles, from AIM and UnitedHealth to Change Healthcare, Parasail, and Finexio. Find the friction in a regulated payment flow. Build the orchestration layer that abstracts the rail. Compound until the category bends.