GB: The goal would be optimising economic value, wherein there might be both delayed payments on one side, and the acceleration of receivables on the other, in such a way that these two things, facilitated by something like supply chain finance or reverse factoring, will create more economic value than existed in the original transaction. In a digital environment, the concept of “float” might be less impactful. MG: B2B, real-time payments will help accelerate the push for driving digital, end-to-end optimisation of the procure to pay/order to cash cycles. If the upfront process is very paper-intensive, it will slow the various use cases that could be adopted. Also, the use case adoption continues to be fragmented by region and by industry, etc. This will definitely bring supply chain digitisation and real-time payments closer together.