Original research, frameworks, and analysis on B2B payment performance. Published weekly by Daniel Jasinski, The Payment Economist.
The First Two-Sided Payment Yield Model. In a health system, Treasury governs the pay side and Revenue Cycle governs the collect side, and Payment Economics reconciles both onto one Payment Yield line across the full cash conversion cycle.
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How Manufacturing Completes Supplier-Base Measurement With Payment Yield. The manufacturer’s supplier base is large enough to matter, complex enough to require segmentation, and durable enough to support full Tier 1 and Tier 2 activation across the Kraljic quadrants.
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How Procurement Activates Payment Yield at Contract Signing. Procurement signs the contract that opens the procure-to-pay process and decides how the firm pays its suppliers. Method specification, capital activation, and supplier development at signing determine how much Payment Yield the modality stack produces.
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How Treasury Produces Financial Return from Payments. Treasury allocates capital through payment structure across modality selection, cost of capital, technology and financing relationships, and classification position. Payment Yield is the measurement that exposes it.
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Governing Payments as a Return-Bearing Layer. Payment Yield, Payment Cost Ratio, and the Payment Efficiency Index applied to a $250 million industrial distributor sitting at 0.66x PEI against a modeled frontier of 11.1x.
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How payment decisions originate capital. One mechanism sits underneath every financing channel. Four structures access the same spread through different doors.
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When technology alone is not enough to move Supplier Acceptance. The bilateral conversation framework for suppliers in the 4% to 12% margin band.
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What yield concentration is really telling you. The segmented view reveals where your payment function works and where it stops.
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How twenty years of B2B payment technology evolution created the conditions for Payment Economics. From AP automation through platform convergence to embedded finance.
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The supplier is an economic actor. Bilateral economic literacy: reading margin structures, cash cycles, and cost constraints to build Supplier Acceptance that holds.
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The CFO ratio for what a payment program produces. PEI = Payment Yield divided by Payment Cost Ratio. One number that converts the payment function from a cost center into a measurable financial asset.
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Portfolio construction for Payment Yield. Four segments, a conversion scoring model, and the practitioner framework for building a supplier portfolio that compounds.
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Payment timing carries the most available upside of any lever in enterprise finance. Early payment discounts, float optimization, and DPO management.
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Every B2B payment method carries a full economic profile. The true cost and return of checks, ACH, wire, virtual cards, and dynamic discounting.
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The internal business case earns the organizational investment that sustains Payment Economics results. Translating Payment Yield into executive language.
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Supplier acceptance determines whether Payment Economics produces results. How practitioners approach these conversations differently.
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Why efficiency metrics miss the economics. Building the measurement system for sustained Payment Economics performance.
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Calculate your Payment Yield in one week. The minimum viable measurement infrastructure to begin optimizing.
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From insight to authority. Why talented practitioners fail, and what organizational design has to do with it.
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From insight to authority: why talented practitioners fail and what organizational design has to do with it.
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Why the most automated B2B payment operations still underperform. What an economic decision layer requires.
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The role shaped by the Payment Yield Model. Why Payment Economics requires dedicated practitioners.
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Revealing the financial performance inside every enterprise payment. Payment Yield as a financial KPI.
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Why SA is the primary driver of B2B Payment Yield and how infrastructure finally moved the needle.
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How technology created a new financial discipline. Why Payment Economics could not have emerged earlier.
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Introducing the Payment Yield formula and the framework that makes payment performance measurable.
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Why treating payments as costs to minimize rather than assets to optimize may be the costliest assumption.
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