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"We need cash flows to speed up." You suggesting that instant settlment is the solution. That's fine but in my view it's not instant settlment, instead it's lethargy from small business where they don't care too much of paying instantly.
Accounting and how money flows will become automated over time. Paying for resources used in near real time will become powerful. Even at the level of 72 hour windows to weekly. But yes, you are spot on. It is too easy to get lazy!
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