<ul data-eligibleForWebStory="true">Cash flow is crucial to businesses, necessitating technological advancements in payments sector.Pay by bank enhances money movement speed, providing clarity for financial decisions.Infrastructure upgrades needed for evolving payment landscape and successful pay-by-bank expansion.Natural progression of pay-by-bank adoption among consumers and impact on B2B payments discussed.Pay-by-bank's slower adoption in the US, challenges, incentives, and future prospects highlighted.