aka Cash Flow

Source: Medical News Today

Do a search on Organization Lifeblood and you will find many choices:

  • KPI’s and Metrics
  • Communication
  • Employees
  • Customers

Square Checking for Small Business.

Mercury an actual B2B Bank and there are others too… More than you know.

Source: The Great Courses

Mercury is thought to be the hottest planet as it is closest to the Sun. Mercury is also a hot Digital Only Business Bank but unlike planets where only one gets to be next to the Sun, there are actually a lot of Digital Only Business Banks and if VC funding is any indicator, they are all HOT !

Brex has recently been running ads touting Brex as a bank, not simply an expense management app with a card.

“The campaign targets SMBs with a ‘less…

Is it Inevitable?

When bankers and corporates talk about DeFi or Decentralized Finance it might seem like a very tense standoff between Protestors and Police with no room for discussion or compromise. Good news B2B Buzz readers, there is room for both sides in DeFi land.

First what is DeFi…

Decentralized finance (commonly referred to as DeFi) is a blockchain-based form of finance that does not rely on central financial intermediaries such as brokerages, exchanges, or banks to offer traditional financial instruments, and instead utilizes smart contracts on blockchains, the most common being Ethereum.” Source: Wikipedia

I like this icon…

Is that a thing?

I saw a story in Techcrunch about BNPL for B2B, obviously this had to be my next post for B2B Buzz. What shocked me the most was that there is more than one Fintech in this category. It seems to me this is simply accounts receivable or trade credit, but let’s dig in and see what BNPL for B2B is all about.

The headline that prompted me to write this blog post:

“Affirm spinout Resolve raises $60M for its B2B ‘buy now, pay later’ platform” Techcrunch Online May 25, 2021

For clarification:

“The main difference between…


The following headline from the Financial Times online article by Eva Szalay from their London bureau on May 6, 2021 caught my attention.

“Citi weighs launching crypto services after surge in client interest”

“Exclusive: Wall Street bank says trading, financing and custody all under consideration” source: FT.com

Citibank publicly announcing they are considering Crypto custody in 2021 makes me think maybe they have their own Marty McFly inside of Citibank that time traveled and showed the Citibank team what Crypto will eventually become.

Time travel aside, it takes very little imagination to see that Crypto is the future and that banks need to not be left behind. …

After Years of Underinvesting VCs now LOVE B2B

Having been in B2B for more than a few years, I always got frustrated telling everyone how big the market is…..and it is literally in the Trillions. (with a T). Credit Suisse’s excellent Payments report of January 2020 put it at $125 Trillion.

Well that all seemed to change recently (not clear exactly when) as now everyone is loving the CFO Stack or the B2B Payments Stack or…..call it what you want but acknowledge it is HOT !

Here is my own B2B payments stack and there are others but if you…

Commercial Cards for more than just travel

Source: US Chamber of Commerce

I got my J&J vaccine last week and started thinking, it is time to travel!

Which as a payment nerd got me thinking about Virtual B2B Cards, ok, I have too much time on my hands, but who doesn’t.

My big project with Discover last year included Virtual B2B Cards for the Fleet segment. It makes sense, you want to be able to have a driver use a card for a payment and not just hand all your drivers a card to do anything with. So why a Virtual Commercial Card? …

I know we have said this for a long time, but it is more true now than ever.

The Lobby of Naperville Bank and Trust

A few threads are leading to today’s B2B Buzz on SMB lending.

  1. CB Insights put out a deep dive into Amazon Payments
  2. PPP Lending has been headline news lately
  3. I am shifting my business focus in 2021 away from big banks to community banks.

Azlo is Gone. Is there a place for a Digital Only SMB Bank?

As the huge bank PNC bought the US assets of the huge Spanish Bank BBVA, something that struck me in the transaction was PNC decided to close Azlo. I find this surprising on two levels, one I won’t cover here but it means the acquisition of BBVA US assets by PNC was not a digital play but a branch play. OK, but still really?

I want to talk about Azlo because I used them just last year as an example of a good digital only SMB bank…

Lots of Issues, But I want to focus on Process

Source: Zeta Technologies Website

WOW! Citibank “accidentally” sent $900M in a series of wire transfers. There are a few things at work here including the legal implications, the software used which was Flexcube. But what I want to talk about is Process.

A couple of things to set straight, up front.

  • I am a proud former Citibanker, I actually love my Alma Mater and am bummed this happened, my hope is we can use it to teach other banks some key lessons.
  • The money is not gone, they just paid off something way too…

Dion F. Lisle

The Rosetta Stone between Legacy Banks and Fintech. My career is the culmination of working between the worlds of Fintech Innovation and Banks www.fortygrand.co

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