Many terms are being used to describe a wide range of businesses. We are using “online platforms” because it is generally accepted as a broad segment of businesses that operate digitally to connect customers. Examples include (but are not limited to):   Spend management platforms (sometimes also referred to as expense management platforms)   Supplier payment platforms (sometimes referred to as account payable/receivable platforms)   Payroll platforms (either as part of a human resources (HR) service, human capital management (HCM) service), or a stand-alone payroll platform)   Marketplaces  Talent platforms (includes freelancer payments, gig worker payments, contractor payments, creator payments, influencer payments, and more).