The July 2023 report defines the Ideal Borrower as a corporate client with low price sensitivity, low churn risk, and high likelihood to bundle noncredit services, boosting returns for lenders. These borrowers report better treasury management experiences, with smoother onboarding and use of enabling technologies like form prefill and workflow tools. They favor modern, diverse payment options, often leveraging fintechs for automation. Ideal Borrowers also place stronger emphasis on ESG values, expecting their importance to grow and influencing their choice of financial institutions.

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