The July 2023 report profiles five fintech vendors serving as partners and occasional competitors to banks, each addressing key commercial banking and payments challenges. Ada offers enterprise-scale generative AI for customer service automation. Capchase provides receivables-based lending for SaaS companies. Codat delivers a universal API to connect SMB accounting, banking, e-commerce, and payment platforms with financial institutions. Greenly offers carbon accounting and management tools for SMBs, while Minima provides a mobile-native blockchain protocol for value transfer, messaging, and payments.

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