Buy Now, Pay Later (BNPL) services have become a game-changer for Australian shoppers, transforming how they purchase goods and services. Unlike traditional credit cards or payment methods, BNPL services let customers make purchases and pay in instalments without incurring interest—provided they meet repayment deadlines. This model has profoundly impacted consumer…
Outstanding invoices from customers who have purchased goods or services can heavily impact a business’s accounts receivable (A/R) management efforts. Even if merchants expect the owed money to come in, there are buyers who pay late, affecting an enterprise’s ability to cover expenses, reinvest in operations, or build a buffer…
Unpaid invoices do more than slow down cash flow. They create uncertainty that makes business owners question their financial stability. For Australian companies, particularly small and medium-sized enterprises (SMEs), the effects of bad debt are more impactful. Over time, bad debt reduces flexibility and blocks future growth. Recognising the early…