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An attorney with a J.D. A record 41% of U.S. retail bank customers only use digital channels, according to a Power analysis from 2021. Digital payments may surpass cash payments for the first time in 2022 as non-cash payments are expanding at a rate of 32%. This tendency will have a direct impact on debt repayment patterns, which are popularly practiced as Debt Collection Industry rather than b2b debt recovery employing a collection agency in India. This tendency will also have an impact on the growing popularity of the Buy Now/Pay Later (BNPL) lending model. What solutions are there for B2B collection software in India then? They should make a big shift toward digitization in order to meet changing customer expectations.