Business-to-business (B2B) payments are expected to continue their advance and become any even more popular payment method in 2020, reaching USD 23.1 trillion in the U.S. alone. This boom in B2B payments is being largely driven by cloud technology, which facilitates payment digitization and improves the entire payment cycle. Perhaps of most interest for the coming year is that B2B companies are working to integrate financing into their own payment systems, threatening the status of traditional credit providers. In fact, B2B companies seem to be targeting the removal of all traditional hurdles in the payment space as a way to better serve consumers with competitive and convenient services. And all of this stems from the availability of cloud-based data.