This document provides an agenda and overview for planning guidelines around faster B2B payments. It discusses how digital invoicing and payments can accelerate cash receipts by making it easier for customers to pay invoices quickly. Digital invoices are more likely to be paid on time than paper invoices. Digital payments are also faster, with funds often being received the next day. Implementing digital invoicing, payments, and a customer portal together provides the best experience for customers. The document also notes how technology can increase collection effectiveness to further accelerate cash flow without increasing costs. It provides a customer success story and outlines the key benefits of digital transformation such as improved customer satisfaction, increased productivity, and reduced costs.

1. Planning Guidelines for
Faster B2B Payments

2. • Introduction
• How the “Right” Invoicing Accelerates Cash Receipts
• Acceptance of Digital Payments Accelerates Cash Receipts
• Digital Invoicing & Payments Synergy
• Customer Success Story
• Benefits
• Conclusion
• Questions
Agenda

3. 3
Introduction
There are two ways to accelerate customers payments:
1. Enabling & maximizing “On-time customer-initiated”
payments that require no collection follow-up
2. Effective Collections
Maximizing the first will reflect an enhanced customer experience
and reduce collection costs.

4. 4
Introduction - Definitions
• Digital Invoicing (aka E-invoicing and E-billing) is electronic
delivery of an invoice to a customer (vs paper invoice sent via
Postal Service). EDI Billing is Digital Invoicing
• Digital Payments, aka Real Time Payments (RTP), and
“Frictionless Digital Payments” are electronic payments that
transfer funds and Remit Advice
• Digital Payments are made directly between buyer and seller
through a direct, secure, internet connection on an Account to
Account (A2A) basis (~ EDI)

5. 5
How the “Right” Invoicing Accelerates Cash Receipts
“Right” Invoicing:
a. Enables fast compilation of invoice from ERP data
b. Is in customer’s required format
c. Is accurate and conveys all information required by customer
d. Delivers invoice in customer’s required or preferred mode (e.g.,
e- invoicing, post to Vendor Portal). Many European & Latin American
countries require e-invoicing
e. Delivers invoice to customer same day of compilation
• Software giant Oracle reports that 80% of invoices it receives
electronically/digitally are paid on time vs. 65% of those received in hard
copy
Make it easy for your customers to pay you.

6. 6
Acceptance of Digital Payments Accelerates
Cash Receipts
Digital Payments:
a. Are received from customers the same or next day
b. Funds availability is same or next day
• Digital Payments also facilitate COD transactions by providing almost
instantaneous confirmation of funds receipt which allows the delivery of
product to proceed with minimal delay
• Digital Payments can be made/received in many currencies by the
Payments Gateway provider.

7. Produce
Invoice
Deliver
Invoice
Customer
Pays Invoice
Payment
Received
Process &
Fulfill Order
Funds
Available
Total Days
Elapsed
2 3 3 to 9 35 2 to 9 2 to 4 47 to 62
2 1 to 2 1 32 * 0 to 1 0 to 1 36 to 39
Paper Based
Digital
* Some customers (SMB’s) will pay earlier; COD can be increased.
Digital Processing Accelerates Cash Availability by 11 to 23
Days or 23 to 37% independent of Collection Effectiveness
Reduction of O2C Cycle Time with Digital
Invoicing & Payments

8. Additional Advantages of Accepting Digital Payments
• Enhanced Customer Experience – accommodate their payment
preference for self-serve digital payments. Key element of Strategic AR
Management
• Many Small and Medium size businesses (SMB) do not usually perform
administrative tasks during standard business hours. The ability to pay
vendor invoices off-hours is a necessity for them & will help the supplier
get paid earlier.
• Lower lockbox and credit card fees
• Reduced Cash Application costs from receiving more complete,
standardized remit information that is conveyed with the payment (vs
separately, like EDI)

9. 9
Digital Invoicing & Payments Synergy
• Digital Invoicing, Digital Payments, and a Customer Care
Portal are most powerful when offered together
• The combination is appealing to Small & Medium size
business & B2C customers: Deal with the invoice once,
quickly review & pay. Square claims 75% of invoices it
delivers on behalf of its clients are paid same day! (heavy
B2C)
• A Customer Care Portal facilitates the end-to-end
transaction: (a) enabling the payment, and (b) providing
access to the invoices and statement of account
• Payments can be made via a wide range of mobile devices

10. 10
Increasing Collection Effectiveness to
Accelerate Cash Receipts
Technology can also increase Collection Effectiveness without cost
increases
• Portfolio Coverage – AI-Driven Digital Assistants, such as Emagia’s
Gia, perform automated collection contact to ensure all delinquent
customers are contacted (via voice or Gia e-mail).
• Increased Effectiveness - Account prioritization optimizes use of
collection contact to predictable late payers, while avoiding unnecessary
contact of customers who normally pay a few days late.

11. Overview: Global water treatment solutions provider with $5.6B in
revenues. Global Shared Service Teams in India, Poland, and the USA.
Digital Billing & Payments Solution: Emagia AI-powered
Customer Billing, Payment Portal, Digital Payments, & Cash
Application. Deployed across 80 business units, 16,000 customers with
multiple currencies from multiple countries.
Functionality includes straight-through processing of Digital Payments
(E-checks and Credit Cards), and customer logging of disputes.
Impact a Few Months After Implementation :
• Accommodation of Customer Preferences/Requirements for self-serve
Digital Billing & Payments resulting in increased Customer
Satisfaction
• > 500 customers using Digital Payments paid > 25K invoices
worth ~$90 MM
• >600 credit memos used by customers in Digital Remits
• 92% auto-cash hit rate
• 60% reduction in operations cost to process payments
Customer Success Story
6M
Transactions
85%
Current AR
100%
Customer Touch
92%
Automated Cash
Application Rate
THE EMAGIA
EXPONENTIAL IMPACT

12. Benefits of Digital Invoicing & Payments
Accelerated Cash Receipts
Ability to Meet Customer Requirements & Preferences
Increased Productivity
Reduced lockbox and bank processing costs
Faster, more Secure Invoicing &
Payments from Customers
Improved Customer
Experience/Satisfaction
Meet Customer
Billing Specs
Faster Receipts
& Lower Costs
Increased Revenue
& Profit

13. Conclusion
• Digital Invoicing is a requirement and/or preference of
most customers. Meeting customer requirements leads
to faster payments & a better customer experience
• Digital Payments are faster, lower cost, more secure
and preferred by many suppliers to paper checks
• AI Powered Digitization and Automation are the key
enablers for these capabilities
• Implementation is a lower cost, faster undertaking than
most IT projects

14. If you have any questions or comments
about this session, please let us know in the
chat box or write to us at info@emagia.com
Orders
Credit
Cash Application
Collections
Deductions
Payments
Invoicing