CINXE.COM

<!doctype html><html lang=en-us prefix="og: http://ogp.me/ns#"><head><script>var __ezHttpConsent={setByCat:function(src,tagType,attributes,category,force){var setScript=function(){if(force||window.ezTcfConsent[category]){var scriptElement=document.createElement(tagType);scriptElement.src=src;attributes.forEach(function(attr){for(var key in attr){if(attr.hasOwnProperty(key)){scriptElement.setAttribute(key,attr[key]);}}});var firstScript=document.getElementsByTagName(tagType)[0];firstScript.parentNode.insertBefore(scriptElement,firstScript);}};if(force||(window.ezTcfConsent&&window.ezTcfConsent.loaded)){setScript();}else if(typeof getEzConsentData==="function"){getEzConsentData().then(function(ezTcfConsent){if(ezTcfConsent&&ezTcfConsent.loaded){setScript();}else{console.error("cannot get ez consent data");force=true;setScript();}});}else{force=true;setScript();console.error("getEzConsentData is not a function");}},};</script> <script>var ezTcfConsent=window.ezTcfConsent?window.ezTcfConsent:{loaded:false,store_info:false,develop_and_improve_services:false,measure_ad_performance:false,measure_content_performance:false,select_basic_ads:false,create_ad_profile:false,select_personalized_ads:false,create_content_profile:false,select_personalized_content:false,understand_audiences:false,use_limited_data_to_select_content:false,};function getEzConsentData(){return new Promise(function(resolve){document.addEventListener("ezConsentEvent",function(event){var ezTcfConsent=event.detail.ezTcfConsent;resolve(ezTcfConsent);});});}</script> <script>function _setEzCookies(ezConsentData){var cookies=[{name:"ezosuibasgeneris-1",value:"600520d3-c093-47a0-4898-76ceab18c47c; Path=/; Domain=smallbiztrends.com; Expires=Mon, 24 Nov 2025 07:34:17 UTC; Secure; SameSite=None",tcfCategory:"understand_audiences",isEzoic:"true",},{name:"ezopvc_657395",value:"1; Path=/; Domain=smallbiztrends.com; Expires=Sun, 24 Nov 2024 08:04:18 UTC",tcfCategory:"understand_audiences",isEzoic:"true",},{name:"ezoab_657395",value:"mod63; Path=/; Domain=smallbiztrends.com; Max-Age=7200",tcfCategory:"store_info",isEzoic:"true",},{name:"active_template::657395",value:"pub_site.1732433658; Path=/; Domain=smallbiztrends.com; Expires=Tue, 26 Nov 2024 07:34:18 UTC",tcfCategory:"store_info",isEzoic:"true",},{name:"ezoadgid_657395",value:"-1; Path=/; Domain=smallbiztrends.com; Max-Age=1800",tcfCategory:"understand_audiences",isEzoic:"true",}];for(var i=0;i<cookies.length;i++){var cookie=cookies[i];if(ezConsentData&&ezConsentData.loaded&&ezConsentData[cookie.tcfCategory]){document.cookie=cookie.name+"="+cookie.value;}}} if(window.ezTcfConsent&&window.ezTcfConsent.loaded){_setEzCookies(window.ezTcfConsent);}else if(typeof getEzConsentData==="function"){getEzConsentData().then(function(ezTcfConsent){if(ezTcfConsent&&ezTcfConsent.loaded){_setEzCookies(window.ezTcfConsent);}else{console.error("cannot get ez consent data");_setEzCookies(window.ezTcfConsent);}});}else{console.error("getEzConsentData is not a function");_setEzCookies(window.ezTcfConsent);}</script><script type="text/javascript" data-ezscrex='false' data-cfasync='false'>window._ezaq = Object.assign({"edge_cache_status":12,"edge_response_time":860,"url":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/"}, typeof window._ezaq !== "undefined" ? window._ezaq : {});</script><script type="text/javascript" data-ezscrex='false' data-cfasync='false'>window._ezaq = Object.assign({"ab_test_id":"mod63"}, typeof window._ezaq !== "undefined" ? window._ezaq : {});window.__ez=window.__ez||{};window.__ez.tf={};</script><script type="text/javascript" data-ezscrex='false' data-cfasync='false'>window.ezDisableAds = true;</script><link rel=preload as=image importance=high fetchpriority=high href="https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2024/11/financial-industry-spreadsheets-850x478.png?ezimgfmt=rs%3Adevice%2Frscb1-1"><script data-ezscrex=false data-cfasync=false data-pagespeed-no-defer>var __ez=__ez||{};__ez.stms=Date.now();__ez.evt={};__ez.script={};__ez.ck=__ez.ck||{};__ez.template={};__ez.template.isOrig=false;__ez.queue=function(){var e=0,i=0,t=[],n=!1,o=[],r=[],s=!0,a=function(e,i,n,o,r,s,a){var l=arguments.length>7&&void 0!==arguments[7]?arguments[7]:window,d=this;this.name=e,this.funcName=i,this.parameters=null===n?null:w(n)?n:[n],this.isBlock=o,this.blockedBy=r,this.deleteWhenComplete=s,this.isError=!1,this.isComplete=!1,this.isInitialized=!1,this.proceedIfError=a,this.fWindow=l,this.isTimeDelay=!1,this.process=function(){u("... func = "+e),d.isInitialized=!0,d.isComplete=!0,u("... func.apply: "+e);var i=d.funcName.split("."),n=null,o=this.fWindow||window;i.length>3||(n=3===i.length?o[i[0]][i[1]][i[2]]:2===i.length?o[i[0]][i[1]]:o[d.funcName]),null!=n&&n.apply(null,this.parameters),!0===d.deleteWhenComplete&&delete t[e],!0===d.isBlock&&(u("----- F'D: "+d.name),m())}},l=function(e,i,t,n,o,r,s){var a=arguments.length>7&&void 0!==arguments[7]?arguments[7]:window,l=this;this.name=e,this.path=i,this.async=o,this.defer=r,this.isBlock=t,this.blockedBy=n,this.isInitialized=!1,this.isError=!1,this.isComplete=!1,this.proceedIfError=s,this.fWindow=a,this.isTimeDelay=!1,this.isPath=function(e){return"/"===e[0]&&"/"!==e[1]},this.getSrc=function(e){return void 0!==window.__ezScriptHost&&this.isPath(e)&&"banger.js"!==this.name?window.__ezScriptHost+e:e},this.process=function(){l.isInitialized=!0,u("... file = "+e);var i=this.fWindow?this.fWindow.document:document,t=i.createElement("script");t.src=this.getSrc(this.path),!0===o?t.async=!0:!0===r&&(t.defer=!0),t.onerror=function(){var e={url:window.location.href,name:l.name,path:l.path,user_agent:window.navigator.userAgent};"undefined"!=typeof _ezaq&&(e.pageview_id=_ezaq.page_view_id);var i=encodeURIComponent(JSON.stringify(e)),t=new XMLHttpRequest;t.open("GET","//g.ezoic.net/ezqlog?d="+i,!0),t.send(),u("----- ERR'D: "+l.name),l.isError=!0,!0===l.isBlock&&m()},t.onreadystatechange=t.onload=function(){var e=t.readyState;u("----- F'D: "+l.name),e&&!/loaded|complete/.test(e)||(l.isComplete=!0,!0===l.isBlock&&m())},i.getElementsByTagName("head")[0].appendChild(t)}},d=function(e,i){this.name=e,this.path="",this.async=!1,this.defer=!1,this.isBlock=!1,this.blockedBy=[],this.isInitialized=!0,this.isError=!1,this.isComplete=i,this.proceedIfError=!1,this.isTimeDelay=!1,this.process=function(){}};function c(e,i,n,s,a,d,c,f,u){var m=new l(e,i,n,s,a,d,c,u);!0===f?o[e]=m:r[e]=m,t[e]=m,h(m)}function h(e){!0!==f(e)&&0!=s&&e.process()}function f(e){if(!0===e.isTimeDelay&&!1===n)return u(e.name+" blocked = TIME DELAY!"),!0;if(w(e.blockedBy))for(var i=0;i<e.blockedBy.length;i++){var o=e.blockedBy[i];if(!1===t.hasOwnProperty(o))return u(e.name+" blocked = "+o),!0;if(!0===e.proceedIfError&&!0===t[o].isError)return!1;if(!1===t[o].isComplete)return u(e.name+" blocked = "+o),!0}return!1}function u(e){var i=window.location.href,t=new RegExp("[?&]ezq=([^&#]*)","i").exec(i);"1"===(t?t[1]:null)&&console.debug(e)}function m(){++e>200||(u("let's go"),p(o),p(r))}function p(e){for(var i in e)if(!1!==e.hasOwnProperty(i)){var t=e[i];!0===t.isComplete||f(t)||!0===t.isInitialized||!0===t.isError?!0===t.isError?u(t.name+": error"):!0===t.isComplete?u(t.name+": complete already"):!0===t.isInitialized&&u(t.name+": initialized already"):t.process()}}function w(e){return"[object Array]"==Object.prototype.toString.call(e)}return window.addEventListener("load",(function(){setTimeout((function(){n=!0,u("TDELAY -----"),m()}),5e3)}),!1),{addFile:c,addFileOnce:function(e,i,n,o,r,s,a,l,d){t[e]||c(e,i,n,o,r,s,a,l,d)},addDelayFile:function(e,i){var n=new l(e,i,!1,[],!1,!1,!0);n.isTimeDelay=!0,u(e+" ... FILE! TDELAY"),r[e]=n,t[e]=n,h(n)},addFunc:function(e,n,s,l,d,c,f,u,m,p){!0===c&&(e=e+"_"+i++);var w=new a(e,n,s,l,d,f,u,p);!0===m?o[e]=w:r[e]=w,t[e]=w,h(w)},addDelayFunc:function(e,i,n){var o=new a(e,i,n,!1,[],!0,!0);o.isTimeDelay=!0,u(e+" ... FUNCTION! TDELAY"),r[e]=o,t[e]=o,h(o)},items:t,processAll:m,setallowLoad:function(e){s=e},markLoaded:function(e){if(e&&0!==e.length){if(e in t){var i=t[e];!0===i.isComplete?u(i.name+" "+e+": error loaded duplicate"):(i.isComplete=!0,i.isInitialized=!0)}else t[e]=new d(e,!0);u("markLoaded dummyfile: "+t[e].name)}},logWhatsBlocked:function(){for(var e in t)!1!==t.hasOwnProperty(e)&&f(t[e])}}}();__ez.evt.add=function(e,t,n){e.addEventListener?e.addEventListener(t,n,!1):e.attachEvent?e.attachEvent("on"+t,n):e["on"+t]=n()},__ez.evt.remove=function(e,t,n){e.removeEventListener?e.removeEventListener(t,n,!1):e.detachEvent?e.detachEvent("on"+t,n):delete e["on"+t]};__ez.script.add=function(e){var t=document.createElement("script");t.src=e,t.async=!0,t.type="text/javascript",document.getElementsByTagName("head")[0].appendChild(t)};__ez.dot={};__ez.queue.addFile('/detroitchicago/boise.js','/detroitchicago/boise.js?gcb=195-6&cb=5',true,[],true,false,true,false);__ez.queue.addFile('/parsonsmaize/abilene.js','/parsonsmaize/abilene.js?gcb=195-6&cb=41',true,[],true,false,true,false);</script><script data-ezscrex=false data-cfasync=false>__ez.ssaf=[17,19,16];__ez.sswp=4;__ez.ssv=857566;__ez.sshsdef=false;</script><script data-ezscrex=false data-cfasync=false>__ez.queue.addFile('/tardisrocinante/screx.js','/tardisrocinante/screx.js?gcb=6&cb=5',false,['/detroitchicago/tulsa.js'],true,false,true,false);</script><script data-ezscrex=false data-cfasync=false>(function(){if("function"===typeof window.CustomEvent)return!1;window.CustomEvent=function(c,a){a=a||{bubbles:!1,cancelable:!1,detail:null};var b=document.createEvent("CustomEvent");b.initCustomEvent(c,a.bubbles,a.cancelable,a.detail);return b}})();</script><script data-ezscrex=false data-cfasync=false>__ez.queue.addFile('/detroitchicago/tulsa.js','/detroitchicago/tulsa.js?gcb=195-6&cb=9',false,[],true,false,true,false);</script><script data-ezscrex=false data-cfasync=false>window._ezaq=Object.assign({"ad_cache_level":1,"adpicker_placement_cnt":0,"ai_placeholder_cache_level":1,"ai_placeholder_placement_cnt":-1,"article_category":"Small Business News","author":"Joshua Sophy","domain_id":657395,"ezcache_level":1,"ezcache_skip_code":0,"has_bad_image":0,"has_bad_words":0,"is_sitespeed":1,"lt_cache_level":0,"publish_date":"2024-11-19","response_size":82320,"response_size_orig":73090,"response_time_orig":773,"template_id":134,"url":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/","word_count":737,"worst_bad_word_level":0},typeof window._ezaq!=="undefined"?window._ezaq:{});__ez.queue.markLoaded('ezaqBaseReady');</script><link rel=preconnect href=//pagead2.googlesyndication.com crossorigin><link rel=preconnect href=//platform.twitter.com crossorigin><link rel=preconnect href=//media.smallbiztrends.com crossorigin><link rel=preconnect href=//feeds.feedburner.com crossorigin><link rel=preconnect href=//gmpg.org crossorigin><link rel=preconnect href=//www.googletagmanager.com crossorigin><link rel=preconnect href=//fonts.googleapis.com crossorigin><link rel=preconnect href=//go.ezoic.net crossorigin><link rel=preload as=script href=//securepubads.g.doubleclick.net/tag/js/gpt.js><link rel=preload as=script href="//go.ezodn.com/hb/dall.js?cb=195-6-111"><script type=text/ez-screx>(function(){function storageAvailable(type){var storage;try{storage=window[type];var x='__storage_test__';storage.setItem(x,x);storage.removeItem(x);return true;} catch(e){return e instanceof DOMException&&(e.code===22||e.code===1014||e.name==='QuotaExceededError'||e.name==='NS_ERROR_DOM_QUOTA_REACHED')&&(storage&&storage.length!==0);}} function remove_ama_config(){if(storageAvailable('localStorage')){localStorage.removeItem("google_ama_config");}} remove_ama_config()})()</script><script>var ezoicTestActive=true</script><script>var _ez_send_requests_through_ezoic=true;</script><script data-ezscrex=false data-cfasync=false>window.ezAnalyticsStatic=true;window._ez_send_requests_through_ezoic=true;function analyticsAddScript(script){var ezDynamic=document.createElement('script');ezDynamic.type='text/javascript';ezDynamic.innerHTML=script;document.head.appendChild(ezDynamic);} function getCookiesWithPrefix(){var allCookies=document.cookie.split(';');var cookiesWithPrefix={};for(var i=0;i<allCookies.length;i++){var cookie=allCookies[i].trim();for(var j=0;j<arguments.length;j++){var prefix=arguments[j];if(cookie.indexOf(prefix)===0){var cookieParts=cookie.split('=');var cookieName=cookieParts[0];var cookieValue=cookieParts.slice(1).join('=');cookiesWithPrefix[cookieName]=decodeURIComponent(cookieValue);break;}}} return cookiesWithPrefix;} function productAnalytics(){var d={"pr":[6,2,1],"aop":{"2":0,"4":134,"7":0},"omd5":"b9207c839a5722d3acb0e7f81eacdda9"};d.u=_ezaq.url;d.p=_ezaq.page_view_id;d.v=_ezaq.visit_uuid;d.ab=_ezaq.ab_test_id;d.e=JSON.stringify(_ezaq);d.ref=document.referrer;d.c=getCookiesWithPrefix('active_template','ez','lp_');if(typeof ez_utmParams!=='undefined'){d.utm=ez_utmParams;} var dataText=JSON.stringify(d);var xhr=new XMLHttpRequest();xhr.open('POST','//g.ezoic.net/ezais/analytics?cb=1',true);xhr.onload=function(){if(xhr.status!=200){return;} if(document.readyState!=='loading'){analyticsAddScript(xhr.response);return;} var eventFunc=function(){if(document.readyState==='loading'){return;} document.removeEventListener('readystatechange',eventFunc,false);analyticsAddScript(xhr.response);};document.addEventListener('readystatechange',eventFunc,false);};xhr.setRequestHeader('Content-Type','text/plain');xhr.send(dataText);} __ez.queue.addFunc("productAnalytics","productAnalytics",null,true,['ezaqBaseReady'],false,false,false,true);</script><script data-ezscrex=false data-cfasync=false async>function productEzoicAds(){if(window.ezDisableAds===true){return;} window.google_reactive_ads_global_state={adCount:{},floatingAdsStacking:{maxZIndexListeners:[],maxZIndexRestrictions:{},nextRestrictionId:0},messageValidationEnabled:false,reactiveTypeDisabledByPublisher:{},reactiveTypeEnabledInAsfe:{},sideRailAvailableSpace:[],sideRailOverlappableElements:[],stateForType:{},tagSpecificState:{},wasPlaTagProcessed:true,wasReactiveAdConfigReceived:{1:true,2:true,8:true},wasReactiveAdVisible:{},wasReactiveTagRequestSent:true,description:"Can't disable auto ads programmatically on the page, so here we are!"};var d={"ab":"","km":{},"pv":"","vu":"36c06acc-ba6a-42b3-665a-193164269e25","r":{"r":[{"p":" ezoic_pub_ad_placeholder-100-top_of_page-728x90-100-nonexxxnonexxxxxxezmaxscaleval100 ","s":100},{"p":" ezoic_pub_ad_placeholder-100-top_of_page-970x90-100-nonexxxnonexxxxxxezmaxscaleval100 ","s":100},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-250x250-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-300x250-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-320x100-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-300x50v2-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-320x50-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-336x280-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-320x100v2-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-468x60-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-901-under_page_title-728x90-901-nonexxxnonexxxxxxezmaxscaleval100 ","s":901},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-250x250-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-300x250-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-320x100-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-300x50v2-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-320x50-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-336x280-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-320x100v2-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-468x60-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-580x400-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-250x250x2-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-909-under_first_paragraph-728x90-909-nonexxxnonexxxxxxezmaxscaleval100 ","s":909},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-250x250-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-300x250-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-320x100-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-300x50v2-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-320x50-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-336x280-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-320x100v2-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-468x60-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-580x400-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-250x250x2-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-910-under_second_paragraph-728x90-910-nonexxxnonexxxxxxezmaxscaleval100 ","s":910},{"p":" ezoic_pub_ad_placeholder-911-mid_content-250x250-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-300x250-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-320x100-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-300x50v2-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-320x50-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-336x280-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-320x100v2-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-468x60-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-580x400-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-250x250x2-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-911-mid_content-728x90-911-nonexxxnonexxxxxxezmaxscaleval100 ","s":911},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-250x250-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-300x250-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-336x280-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-320x100v2-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-580x400-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-250x250x2-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-105-incontent_48-728x90-105-nonexxxnonexxxxxxezmaxscaleval100 ","s":105},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-250x250-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-300x250-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-336x280-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-320x100v2-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-580x400-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-250x250x2-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-137-incontent_49-728x90-137-nonexxxnonexxxxxxezmaxscaleval100 ","s":137},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-250x250-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-300x250-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-336x280-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-320x100v2-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-580x400-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-250x250x2-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-138-incontent_50-728x90-138-nonexxxnonexxxxxxezmaxscaleval100 ","s":138},{"p":" ezoic_pub_ad_placeholder-101-sidebar-250x250-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-101-sidebar-300x250-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-101-sidebar-300x600-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-101-sidebar-300x250v2-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-101-sidebar-120x600x2-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-101-sidebar-336x280-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-101-sidebar-320x100v2-101-nonexxxnonexxxxxxezmaxscaleval100 ","s":101},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-250x250-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-300x250-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-300x600-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-300x250v2-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-120x600x2-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-336x280-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-102-sidebar_floating_1-320x100v2-102-nonexxxnonexxxxxxezmaxscaleval100 ","s":102},{"p":" ezoic_pub_ad_placeholder-912-long_content-250x250-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-300x250-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-320x100-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-300x50v2-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-320x50-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-336x280-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-320x100v2-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-468x60-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-580x400-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-250x250x2-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-912-long_content-728x90-912-nonexxxnonexxxxxxezmaxscaleval100 ","s":912},{"p":" ezoic_pub_ad_placeholder-107-bottom_floating-728x90-107-nonexxxnonexxxxxxezmaxscaleval100 ","s":107},{"p":" ezoic_pub_ad_placeholder-107-bottom_floating-970x90-107-nonexxxnonexxxxxxezmaxscaleval100 ","s":107},{"p":" ezoic_pub_ad_placeholder-108-edge-160x600-108-nonexxxnonexxxxxxezmaxscaleval100 ","s":108}],"a":{"100":true,"101":true,"102":true,"105":true,"107":true,"108":true,"137":true,"138":true,"901":true,"909":true,"910":true,"911":true,"912":true},"g":-1,"l":{"0":0,"1":0,"2":0,"3":0,"4":0,"5":0,"6":0},"m":{"0":0,"1":0,"2":0,"3":0,"4":0,"5":0,"6":0},"v":0,"ve":false,"hr":false},"cr":"","tid":134,"tn":"pub_site","url":"","wc":737,"ff":1,"dhh":""};d.ab=_ezaq.ab_test_id;d.pv=_ezaq.page_view_id;d.vu=_ezaq.visit_uuid;d.url=window.location.href;var dynamicAddScript=function(script){if(window.ezFinishedStatic===true){console.error("attempted to load dynamic script again");return;} var errorMessages=[];function errorHandler(event){var errorObj=event.error;if(errorObj&&errorObj.stack&&errorObj.stack.indexOf('dynamicAddScript')!==-1){var errorMessage={Message:event.message,LineNo:event.lineno,ColumnNo:event.colno,Stack:errorObj.stack};errorMessages.push(errorMessage);} if(typeof window.onerror==='function'){window.onerror.apply(this,arguments);}} window.addEventListener('error',errorHandler);var ezDynamic=document.createElement('script');ezDynamic.type='text/javascript';ezDynamic.innerHTML=script;document.head.appendChild(ezDynamic);window.removeEventListener('error',errorHandler);if(window.ezFinishedStatic!==true||typeof window.ezstaticerrors!=='undefined'){d.Script=script;d.ErrorMessages=JSON.stringify(errorMessages);d.ErrorStaticMessages=window.ezstaticerrors||'';var dataTxt=JSON.stringify(d);if(dataTxt.length>0){var logXHR=new XMLHttpRequest() logXHR.open('POST','/ezais/log?cb=1',true);logXHR.setRequestHeader('Content-Type','application/json');logXHR.send(dataTxt);}}};var dataText=JSON.stringify(d);if(dataText.length>0){var startTime=Date.now()-__ez.stms;var xhr=new XMLHttpRequest();xhr.open('POST','/ezais/dynamic?cb=1',true);xhr.onload=function(){if(xhr.status!=200){return;} if(document.readyState!=='loading'){dynamicAddScript(xhr.response);return;} var eventFunc=function(){if(document.readyState==='loading'){return;} document.removeEventListener('readystatechange',eventFunc,false);dynamicAddScript(xhr.response);};document.addEventListener('readystatechange',eventFunc,false);};xhr.setRequestHeader('Content-Type','text/plain');xhr.send(dataText);}} __ez.queue.addFunc("productEzoicAds","productEzoicAds",null,true,['ezaqReady'],false,false,false,true);</script><base href=https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/><link rel=dns-prefetch href=https://media.smallbiztrends.com/><meta id=vp name=viewport content="width=device-width,initial-scale=1"><meta name=robots content="max-image-preview:large"><meta name=pocket-site-verification content="24e8af49b1846e54010e0e44345e78"><script type=text/ez-screx>window.ezoicSSOnLoad=function(){if(screen.width<400){var mvp=document.getElementById('vp');mvp.setAttribute('content','user-scalable=no,width=400');}} window.addEventListener("resize",function(event){if(screen.width<400){var mvp=document.getElementById('vp');mvp.setAttribute('content','user-scalable=no,width=400');}else{var mvp=document.getElementById('vp');mvp.setAttribute('content','width=device-width, initial-scale=1');}});</script><meta name=category-slug content="small-business-news"><link rel=alternate type=application/rss+xml href=https://smallbiztrends.com/category/small-business-news//rss><meta charset=utf-8><meta name=ir-site-verification-token value="- 2033810"><meta name=bitly-verification content="2860c67930f8"><meta name=verify-v1 content="7/6xL9lKxd/24NaOUBdVFoQ/srAKvMXDHhh6W/4/ku4="><link rel=alternate type=application/rss+xml title=RSS href=https://feeds.feedburner.com/SmallBusinessTrends><link rel=alternate type=application/rss+xml title="RSS feed" href=https://feeds.feedburner.com/SmallBusinessTrends><meta property="og:image" content="https://smallbiztrends.com/wp-content/themes/sahifa/images/logo-full.jpg"><meta itemprop=image content="https://smallbiztrends.com/wp-content/themes/sahifa/images/logo-full.jpg"><link rel=pingback href=https://smallbiztrends.com/xmlrpc.php><meta itemprop=name content="Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025"><meta itemprop=description content="A PayEm survey reveals 86% of financial professionals still rely on Excel, highlighting the urgent need for modernization with AI and automation in 2025."><link rel=profile href=http://gmpg.org/xfn/11><link rel=stylesheet importance=high media=all href="https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/style.css?ff=1&v=7-24&wps=false&ez_used_css_s=13"><link rel=stylesheet media=print href="https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/css/print.css?ff=1&v=1-0&wps=false&ez_used_css_s=13"><meta name=robots content="index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1"><style>img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3e3px 1500px}</style><title>Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025 - Small Business Trends</title><meta name=description content="A PayEm survey reveals 86% of financial professionals still rely on Excel, highlighting the urgent need for modernization with AI and automation in 2025."><link rel=canonical href=https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/><meta property="og:locale" content="en_US"><meta property="og:type" content="article"><meta property="og:title" content="Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025"><meta property="og:description" content="A PayEm survey reveals 86% of financial professionals still rely on Excel, highlighting the urgent need for modernization with AI and automation in 2025."><meta property="og:url" content="https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/"><meta property="og:site_name" content="Small Business Trends"><meta property="article:publisher" content="https://www.facebook.com/smallbusinesstrends"><meta property="article:published_time" content="2024-11-19T17:02:09+00:00"><meta property="og:image" content="https://media.smallbiztrends.com/2024/11/financial-industry-spreadsheets.png"><meta property="og:image:width" content="1280"><meta property="og:image:height" content="720"><meta property="og:image:type" content="image/png"><meta name=author content="Joshua Sophy"><meta name=twitter:card content="summary_large_image"><meta name=twitter:creator content="@smallbiztrends"><meta name=twitter:site content="@smallbiztrends"><script type=application/ld+json class=yoast-schema-graph>{"@context":"https://schema.org","@graph":[{"@type":"NewsArticle","@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/#article","isPartOf":{"@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/"},"author":{"name":"Joshua Sophy","@id":"https://smallbiztrends.com/#/schema/person/65f40a674d0518da52d6007d7d9635bc","alumniOf":[{"@type":"EducationalOrganization","name":"Waynesburg University"}],"sameAs":["https://muckrack.com/joshua-sophy","http://thecolumbusceo.com/authors/joshua-sophy/"]},"headline":"Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025","datePublished":"2024-11-19T17:02:09+00:00","dateModified":"2024-11-19T17:02:09+00:00","mainEntityOfPage":{"@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/"},"wordCount":325,"publisher":{"@id":"https://smallbiztrends.com/#organization","legalName":"Small Business Trends Media","foundingDate":"2003","publishingPrinciples":"https://smallbiztrends.com/ethics-statement","address":{"@type":"PostalAddress","streetAddress":"15275 Collier Blvd #201-367","addressLocality":"Naples","addressRegion":"FL","postalCode":"34119","addressCountry":"USA"},"contactPoint":{"@type":"contactPoint","contactType":"General Inquiries","telephone":"[+305-907-5475]","email":"general@smallbiztrends.net"},"brand":{"@type":"Thing","name":"Small Business Trends"},"awards":["Freshlime - Freshest Small Business Award","Forbes - Best of the Web Award","WebAwards - Standard of Excellence Award","Azbee Awards - Web \"How To\" Bronze Award"],"founder":{"@type":"Person","name":"Anita Campbell","givenName":"Anita","familyName":"Campbell","sameAs":["https://smallbiztrends.com/author/anita/","https://www.linkedin.com/in/anitacampbell","https://www.amazon.com/Anita-Campbell/e/B005EOKHYG","https://www.sba.gov/person/anita-campbell","https://www.inc.com/author/anita-campbell","https://www.score.org/author/anita-campbell","https://www.businessinsider.com/author/anita-campbell","https://www.americanexpress.com/en-us/business/trends-and-insights/authors/anita_campbell","https://twitter.com/anitacampbell","https://www.facebook.com/anita.campbell","https://share.bizsugar.com/user/profile/smallbiztrends"],"description":"I'm Anita Campbell. I am the Founder, CEO and Publisher of Small Business Trends. I founded this site back in 2003.\r\n\r\nIf you'd like to know more about my background, please check out my About Anita Campbell page. \r\n\r\nIf you'd like to know more about this site and the company I've built, read the About Small Business Trends page.\r\n\r\nTo chat with me personally or peek into what I'm doing, reach me over at Twitter: @anitacampbell.\r\n\r\nPlease also check out 7 Things About Me, in case you'd like to read something a bit more fun and offbeat.\r\n\r\nFor additional contact information to reach either me or someone else on this site directly, please visit our Contact page.","alumniOf":[{"@type":"EducationalOrganization","name":"Duquesne University"},{"@type":"EducationalOrganization","name":"University of Akron School of Law"}],"honorificPrefix":"Mrs","honorificSuffix":"Esq","birthDate":"1956-11-11","gender":"female","award":["Ezoic Lifetime Achievement Award"],"knowsAbout":["small business","entrepreneurship","mergers and acquisitions","leadership","buy sell a business","management","marketing"],"knowsLanguage":["English"],"jobTitle":"Chief Executive Officer","worksFor":"Small Business Trends Media"}},"image":{"@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/#primaryimage"},"thumbnailUrl":"https://media.smallbiztrends.com/2024/11/financial-industry-spreadsheets.png","articleSection":["Small Business News"],"inLanguage":"en-US","copyrightYear":"2024","disambiguatingDescription":"A PayEm survey reveals 86% of financial professionals still rely on Excel, highlighting the urgent need for modernization with AI and automation in 2025."},{"@type":"WebPage","@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/","url":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/","name":"Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025 - Small Business Trends","isPartOf":{"@id":"https://smallbiztrends.com/#website"},"primaryImageOfPage":{"@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/#primaryimage"},"image":{"@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/#primaryimage"},"thumbnailUrl":"https://media.smallbiztrends.com/2024/11/financial-industry-spreadsheets.png","datePublished":"2024-11-19T17:02:09+00:00","dateModified":"2024-11-19T17:02:09+00:00","description":"A PayEm survey reveals 86% of financial professionals still rely on Excel, highlighting the urgent need for modernization with AI and automation in 2025.","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/#primaryimage","url":"https://media.smallbiztrends.com/2024/11/financial-industry-spreadsheets.png","contentUrl":"https://media.smallbiztrends.com/2024/11/financial-industry-spreadsheets.png","width":1280,"height":720},{"@type":"WebSite","@id":"https://smallbiztrends.com/#website","url":"https://smallbiztrends.com/","name":"Small Business Trends","description":"Small Business News, Tips, and Advice","publisher":{"@id":"https://smallbiztrends.com/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://smallbiztrends.com/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https://smallbiztrends.com/#organization","name":"Anita Campbell Associates, Ltd.","alternateName":"Small Business Trends Media","url":"https://smallbiztrends.com/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://smallbiztrends.com/#/schema/logo/image/","url":"https://media.smallbiztrends.com/2018/11/Web-jpg-Blue-Logo_Small-Business-Trends.jpg","contentUrl":"https://media.smallbiztrends.com/2018/11/Web-jpg-Blue-Logo_Small-Business-Trends.jpg","width":400,"height":109,"caption":"Anita Campbell Associates, Ltd."},"image":{"@id":"https://smallbiztrends.com/#/schema/logo/image/"},"sameAs":["https://www.facebook.com/smallbusinesstrends","https://x.com/smallbiztrends","https://www.linkedin.com/company/small-business-trends","https://www.pinterest.com/smallbiztrends/","https://www.youtube.com/user/smallbiztrends"],"publishingPrinciples":"https://smallbiztrends.com/ethics-statement/","ownershipFundingInfo":"https://smallbiztrends.com/about/","ethicsPolicy":"https://smallbiztrends.com/ethics-statement/"},{"@type":"Person","@id":"https://smallbiztrends.com/#/schema/person/65f40a674d0518da52d6007d7d9635bc","name":"Joshua Sophy","description":"Joshua Sophy is the Editor for Small Business Trends and has been a member of the team for 16 years. A journalist with 20 years of experience in traditional and online media, Joshua supervises the day-to-day operations of Small Business Trends' busy editorial department including the editorial calendar and outgoing assignments. Joshua attended Waynesburg University as a student of graphic design and is a member of the Society of Professional Journalists. He got his start in the newspaper business of Pennsylvania's coal region, first as a sports writer and later as a beat reporter covering news. He eventually founded his own local newspaper, the Pottsville Free Press, where he served as a publisher, editor and reporter. Joshua then moved to the online copywriting world after a stint as a weekly newspaper editor for Journal Register. He joined Small Business Trends as a breaking news and tech writer in 2013, where he covered such memorable events as the launch of Instagram video.","honorificPrefix":"Mr","gender":"Male","knowsAbout":["small business","small business writing","small business news"],"knowsLanguage":["English"],"jobTitle":"Editor","worksFor":"Small Business Trends Media","url":"https://smallbiztrends.com/author/joshua-sophy/"}]}</script><link rel=dns-prefetch href=//www.googletagmanager.com><link rel=dns-prefetch href=//fonts.googleapis.com><link rel=dns-prefetch href=//pagead2.googlesyndication.com><script>window._wpemojiSettings={"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/smallbiztrends.com\/wp-includes\/js\/wp-emoji-release.min.js"}};/*!This file is auto-generated*/!function(i,n){var o,s,e;function c(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(o,JSON.stringify(t))}catch(e){}}function p(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data),r=(e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0),new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data));return t.every(function(e,t){return e===r[t]})}function u(e,t,n){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\uddfa\ud83c\uddf3","\ud83c\uddfa\u200b\ud83c\uddf3")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!n(e,"\ud83d\udc26\u200d\u2b1b","\ud83d\udc26\u200b\u2b1b")}return!1}function f(e,t,n){var r="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):i.createElement("canvas"),a=r.getContext("2d",{willReadFrequently:!0}),o=(a.textBaseline="top",a.font="600 32px Arial",{});return e.forEach(function(e){o[e]=t(a,e,n)}),o}function t(e){var t=i.createElement("script");t.src=e,t.defer=!0,i.head.appendChild(t)}"undefined"!=typeof Promise&&(o="wpEmojiSettingsSupports",s=["flag","emoji"],n.supports={everything:!0,everythingExceptFlag:!0},e=new Promise(function(e){i.addEventListener("DOMContentLoaded",e,{once:!0})}),new Promise(function(t){var n=function(){try{var e=JSON.parse(sessionStorage.getItem(o));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(s),u.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"}),a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=function(e){c(n=e.data),a.terminate(),t(n)})}catch(e){}c(n=f(s,u,p))}t(n)}).then(function(e){for(var t in e)n.supports[t]=e[t],n.supports.everything=n.supports.everything&&n.supports[t],"flag"!==t&&(n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&n.supports[t]);n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&!n.supports.flag,n.DOMReady=!1,n.readyCallback=function(){n.DOMReady=!0}}).then(function(){return e}).then(function(){var e;n.supports.everything||(n.readyCallback(),(e=n.source||{}).concatemoji?t(e.concatemoji):e.wpemoji&&e.twemoji&&(t(e.twemoji),t(e.wpemoji)))}))}((window,document),window._wpemojiSettings);</script><style id=wp-emoji-styles-inline-css>img.wp-smiley,img.emoji{display:inline!important;border:none!important;box-shadow:0 0!important;height:1em!important;width:1em!important;margin:0 .07em!important;vertical-align:-.1em!important;background:0 0!important;padding:0!important}</style><style id=classic-theme-styles-inline-css>/*!This file is auto-generated*/.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:0 0;text-decoration:none;padding:calc(.667em + 2px)calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}</style><style id=global-styles-inline-css>:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#ffffff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:0.44rem;--wp--preset--spacing--30:0.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0, 0, 0, 1)}:where(.is-layout-flex){gap:.5em}:where(.is-layout-grid){gap:.5em}body .is-layout-flex{display:flex}.is-layout-flex{flex-wrap:wrap;align-items:center}.is-layout-flex>:is(*,div){margin:0}body .is-layout-grid{display:grid}.is-layout-grid>:is(*,div){margin:0}:where(.wp-block-columns.is-layout-flex){gap:2em}:where(.wp-block-columns.is-layout-grid){gap:2em}:where(.wp-block-post-template.is-layout-flex){gap:1.25em}:where(.wp-block-post-template.is-layout-grid){gap:1.25em}.has-black-color{color:var(--wp--preset--color--black)!important}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray)!important}.has-white-color{color:var(--wp--preset--color--white)!important}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink)!important}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red)!important}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange)!important}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber)!important}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan)!important}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan)!important}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue)!important}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue)!important}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple)!important}.has-black-background-color{background-color:var(--wp--preset--color--black)!important}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray)!important}.has-white-background-color{background-color:var(--wp--preset--color--white)!important}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink)!important}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red)!important}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange)!important}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber)!important}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan)!important}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan)!important}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue)!important}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue)!important}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple)!important}.has-black-border-color{border-color:var(--wp--preset--color--black)!important}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray)!important}.has-white-border-color{border-color:var(--wp--preset--color--white)!important}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink)!important}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red)!important}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange)!important}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber)!important}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan)!important}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan)!important}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue)!important}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue)!important}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple)!important}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple)!important}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan)!important}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange)!important}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red)!important}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray)!important}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum)!important}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple)!important}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux)!important}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk)!important}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean)!important}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass)!important}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight)!important}.has-small-font-size{font-size:var(--wp--preset--font-size--small)!important}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium)!important}.has-large-font-size{font-size:var(--wp--preset--font-size--large)!important}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large)!important}:where(.wp-block-post-template.is-layout-flex){gap:1.25em}:where(.wp-block-post-template.is-layout-grid){gap:1.25em}:where(.wp-block-columns.is-layout-flex){gap:2em}:where(.wp-block-columns.is-layout-grid){gap:2em}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6}</style><link rel=https://api.w.org/ href=https://smallbiztrends.com/wp-json/><link rel=alternate title=JSON type=application/json href=https://smallbiztrends.com/wp-json/wp/v2/posts/1498835><meta name=generator content="Site Kit by Google 1.140.0"><script type=text/ez-screx>var taqyeem={"ajaxurl":"https://smallbiztrends.com/wp-admin/admin-ajax.php","your_rating":"Your Rating:"};</script><style media=screen>.review-final-score{border-color:#c7c7c7}.review-box{background-color:#c7c7c7}#review-box h2.review-box-header,.user-rate-wrap{background-color:#ebebeb}.review-stars .review-item,.review-percentage .review-item span,.review-summary{background-color:#ebebeb}.review-percentage .review-item span span,.review-final-score{background-color:#ebebeb}.review-summary a{color:#cc0013}.review-summary a:hover{color:#cc0013}#review-box h2.review-box-header{color:#000}#review-box .review-item h5,#review-box.review-percentage .review-item h5{color:#000}#review-box .review-short-summary,#review-box .review-short-summary p{color:#000}#review-box .review-final-score h3{color:#000}#review-box .review-final-score h4{color:#000}.user-rate-wrap,#review-box strong{color:#000}</style><script src=https://smallbiztrends.com/wp-includes/js/jquery/jquery.min.js id=jquery-core-js></script><script src=https://smallbiztrends.com/wp-includes/js/jquery/jquery-migrate.min.js id=jquery-migrate-js></script><meta name=twitter:card content="summary_large_image"><meta name=twitter:site content="@smallbiztrends"><meta name=twitter:url content="https://smallbiztrends.com/payem-survey-financial-industry-manual-processes/"><meta name=twitter:title content="Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025"><meta name=twitter:image content="https://media.smallbiztrends.com/2024/11/financial-industry-spreadsheets.png"><meta name=twitter:description content="PayEm released a new survey today that underscores the financial industry's lag in adopting modern technologies. The findings reveal that 86% of financial professionals still rely on Excel for"><link rel=stylesheet id=single-css href="https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/css/single.css?ff=1&ver=1695154890&wps=false&ez_used_css_s=13" media=all><script type=text/ez-screx id=single-js src="https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/js/single.js?screx=1&sxcb=1a&ver=1625768983"></script><meta name=google-adsense-platform-account content="ca-host-pub-2644536267352236"><meta name=google-adsense-platform-domain content="sitekit.withgoogle.com"><meta name=generator content="Elementor 3.25.8; features: additional_custom_breakpoints, e_optimized_control_loading; settings: css_print_method-external, google_font-enabled, font_display-auto"><link rel=stylesheet href="https://smallbiztrends.com/wp-content/plugins/wordpress-popular-posts/style/wpp.css?ff=1&wps=false&ez_used_css_s=13" media=screen><style>.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none!important}@media screen and (max-height:1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none!important}}@media screen and (max-height:640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none!important}}</style><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-4857394888202061&host=ca-host-pub-2644536267352236" crossorigin=anonymous></script><style>.pswp.pafe-lightbox-modal{display:none}</style><script type=text/ez-screx src="https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/js/default.js?screx=1&sxcb=1a&v=4-7"></script><script type=text/ez-screx>var post_cat_id=521;</script><script type=text/ez-screx>!function(f,b,e,v,n,t,s) {if(f.fbq)return;n=f.fbq=function(){n.callMethod?n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0;t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,document,'script','https://connect.facebook.net/en_US/fbevents.js');fbq('init','573364149534092');fbq('track','PageView');</script><script>var ezoTemplate='pub_site';var ezouid='1';var ezoFormfactor='1';</script><script data-ezscrex=false>var soc_app_id='0';var did=657395;var ezdomain='smallbiztrends.com';var ezoicSearchable=1;</script><script data-cfasync=false>__ez.queue.addFile('/tardisrocinante/lazy_load.js','/tardisrocinante/lazy_load.js?gcb=6&cb=6',false,[],true,false,true,false);</script></head><body id=top class="post-template-default single single-post postid-1498835 single-format-standard elementor-default elementor-kit-962833"><div id=fb-root></div><script type=text/ez-screx>(function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(d.getElementById(id))return;js=d.createElement(s);js.id=id;js.src="//connect.facebook.net/en_US/all.js#xfbml=1&appId=226827567352028";fjs.parentNode.insertBefore(js,fjs);}(document,'script','facebook-jssdk'));</script><noscript><img height=1 width=1 style=display:none src="https://www.facebook.com/tr?id=573364149534092&ev=PageView&noscript=1"></noscript><div class=wrapper><div id=header-wrap><header><div class=header-content><div class="ezoic-ai-restricted-element logo"><h2><a title="Small Business Trends" href=https://smallbiztrends.com/><span id=header-logo-bg>Small Business Trends</span></a></h2></div><div class=ads-top><span id=ezoic-pub-ad-placeholder-100></span><span data-ez-ph-id=100></span></div><div class="clear ezoic-ai-restricted-element"></div></div><nav id=main-nav class="fixed-enabled ezoic-ai-restricted-element"><span id=mobile-hamburger-icon></span><div id=ul-nav-wrap><span id=mobile-close-icon></span><div class=main-menu><ul id=menu-main-nav class=menu><li id=menu-item-1041678 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1041678"><a href=https://smallbiztrends.com/start-a-business/>Start a Business</a><ul class=sub-menu><li id=menu-item-904917 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-904917"><a href=https://smallbiztrends.com/tag/develop-an-idea/>Business Ideas</a><li id=menu-item-959780 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-959780"><a href=https://smallbiztrends.com/tag/buying-selling-business>Buy or Sell a Business</a><li id=menu-item-225132 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225132"><a href=https://smallbiztrends.com/category/franchise/>Franchise</a><li id=menu-item-1036047 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036047"><a href=https://smallbiztrends.com/tag/legal-structure>Legal Structure</a><li id=menu-item-1036048 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036048"><a href=https://smallbiztrends.com/tag/how-to-start>How to Start</a></ul><li id=menu-item-1039814 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1039814"><a href=https://smallbiztrends.com/run-a-business/>Run a Business</a><ul class=sub-menu><li id=menu-item-225123 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225123"><a href=https://smallbiztrends.com/category/small-business-operations/>Operations</a><li id=menu-item-225122 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225122"><a href=https://smallbiztrends.com/category/management/>Management</a><li id=menu-item-225120 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225120"><a href=https://smallbiztrends.com/category/staffing/>Staffing</a><li id=menu-item-1036050 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036050"><a href=https://smallbiztrends.com/tag/small-business-insurance>Insurance</a><li id=menu-item-1040226 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1040226"><a href=https://smallbiztrends.com/tag/small-business-essentials>Small Business Essentials</a></ul><li id=menu-item-583971 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-583971"><a href=https://smallbiztrends.com/small-business-marketing/>Marketing</a><ul class=sub-menu><li id=menu-item-1088289 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1088289"><a href=https://smallbiztrends.com/tag/marketing-101>Marketing 101</a><li id=menu-item-225115 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225115"><a href=https://smallbiztrends.com/category/marketing-tips/>Marketing Tips</a><li id=menu-item-225118 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225118"><a href=https://smallbiztrends.com/category/social-media/>Social Media</a><li id=menu-item-225114 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225114"><a href=https://smallbiztrends.com/category/local-marketing/>Local Marketing</a><li id=menu-item-225117 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225117"><a href=https://smallbiztrends.com/category/small-business-sales/>Sales</a></ul><li id=menu-item-1050381 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1050381"><a href=https://smallbiztrends.com/money/>Money</a><ul class=sub-menu><li id=menu-item-225129 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225129"><a href=https://smallbiztrends.com/category/small-business-loans/>Loans</a><li id=menu-item-1036052 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036052"><a href=https://smallbiztrends.com/tag/small-business-grants>Grants</a><li id=menu-item-225130 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225130"><a href=https://smallbiztrends.com/category/small-business-taxes/>Taxes</a><li id=menu-item-1036053 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036053"><a href=https://smallbiztrends.com/tag/small-business-accounting>Accounting</a><li id=menu-item-1036060 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1036060"><a href=https://smallbiztrends.com/category/small-business-finance/>Finance</a><li id=menu-item-1038332 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1038332"><a href=https://smallbiztrends.com/small-business-calculators/>Calculators</a></ul><li id=menu-item-1072215 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1072215"><a href=https://smallbiztrends.com/life/>Life</a><ul class=sub-menu><li id=menu-item-908377 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-908377"><a href=https://smallbiztrends.com/category/business-success-stories/>Success Stories</a><li id=menu-item-225134 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225134"><a href=https://smallbiztrends.com/category/business-interviews/>Interviews</a><li id=menu-item-1038978 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1038978"><a href=https://smallbiztrends.com/tag/wellness>Wellness</a><li id=menu-item-225119 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225119"><a href=https://smallbiztrends.com/category/business-book/>Business Books</a><li id=menu-item-562825 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-562825"><a href=https://smallbiztrends.com/motivational-quotes-for-business/>Motivational Quotes</a><li id=menu-item-225121 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225121"><a href=https://smallbiztrends.com/category/business-humor/>Humor</a></ul><li id=menu-item-1089288 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1089288"><a href=https://smallbiztrends.com/small-business-technology/>Tech</a><ul class=sub-menu><li id=menu-item-1036066 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036066"><a href=https://smallbiztrends.com/tag/software-and-apps>Software and Apps</a><li id=menu-item-1036067 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1036067"><a href=https://smallbiztrends.com/tag/hardware-and-gadgets>Hardware and Gadgets</a><li id=menu-item-225125 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225125"><a href=https://smallbiztrends.com/category/product-reviews/>Product Reviews</a><li id=menu-item-225126 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-225126"><a href=https://smallbiztrends.com/category/technology-trends/>Technology Trends</a></ul><li id=menu-item-1041107 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1041107"><a href=https://smallbiztrends.com/headlines/>Headlines</a><ul class=sub-menu><li id=menu-item-1036069 class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1036069"><a href=https://smallbiztrends.com/category/small-business-news/>News</a><li id=menu-item-1069407 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1069407"><a href=https://smallbiztrends.com/tag/small-biz-in-15>Small Biz in 15</a><li id=menu-item-1040234 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1040234"><a href=https://smallbiztrends.com/category/small-business-events/>Small Business Events</a><li id=menu-item-931041 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-931041"><a href=https://smallbiztrends.com/events/>Events Calendar</a><li id=menu-item-1017702 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1017702"><a href=https://smallbiztrends.com/tag/small-business-statistics>Statistics</a></ul><li id=menu-item-1036070 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1036070"><a>More</a><ul class=sub-menu><li id=menu-item-1040989 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1040989"><a href=https://smallbiztrends.com/tag/small-business-courses>Small Business Courses</a><li id=menu-item-1474851 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1474851"><a href=https://deals.smallbiztrends.com/>Office Product Deals</a><li id=menu-item-225112 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-225112"><a href=https://smallbiztrends.com/small-business-resource-center>Resources</a><li id=menu-item-1088606 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1088606"><a href=https://smallbiztrends.com/business-webinars>Webinars</a><li id=menu-item-1037417 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1037417"><a href=https://smallbiztrends.com/niche-industries/>Industries</a></ul></ul></div></div><div class="menu-item-main-nav-search menu-item menu-item-type-post_type menu-item-object-page"><span class=main-nav-search id=main-nav-search-button>Search</span><div class=nav-search-block id=nav-search-block-wrap><form id=nav-searchform action=https://smallbiztrends.com/><input id=s name=s placeholder=Search...> <input class=nav-search-button type=submit value=Search></form></div></div></nav><script type=text/ez-screx>smb_set_search_button();</script></header></div><div id=main-content class=container><div class=content><article class="post-listing post-1498835 post type-post status-publish format-standard has-post-thumbnail category-small-business-news"><div class=post-inner><h1 class="post-title entry-title">Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025</h1><meta content="Survey Highlights Financial Industry Reliance on Manual Processes, Urges Modernization in 2025"><span class=byline><span class=article-date>Published: <span datetime=2024-11-19T12:02:09-05:00>Nov 19, 2024</span></span> <span class=article-author>by <span class=nickname><a href=https://smallbiztrends.com/author/joshua-sophy/ title="Posts by Joshua Sophy">Joshua Sophy</a></span></span> <span class=article-author>In <a href=https://smallbiztrends.com/category/small-business-news/ title="View all articles in Small Business News">Small Business News</a></span></span><hr class=clear><span class=full-span-featured-image><img width=850 height=478 src="https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2024/11/financial-industry-spreadsheets-850x478.png?ezimgfmt=rs%3Adevice%2Frscb1-1" class="attachment-general_850w_image size-general_850w_image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" loading=eager srcset sizes importance=high fetchpriority=high></span><div class=entry><div class=entry-wrap><p>PayEm released a new survey today that underscores the financial industry’s lag in adopting modern technologies.</p><span id=ezoic-pub-ad-placeholder-901 data-method=placement-service></span><span data-ez-ph-id=901></span><p>The findings reveal that 86% of financial professionals still rely on Excel for budgeting and forecasting, while 75% rely on manual reviews and approvals instead of leveraging AI or automated solutions. These insights highlight a pressing need to modernize spend management and financial operations in 2025.<p>“Comparing the rate of technological adoption in other industries and seeing the discrepancy in the financial industry is uncovering a tremendous opportunity for growth and expansion in the financial sector,” said Itamar Jobani, Founder and Chief Executive Officer of PayEm. “The industry will benefit tremendously from AI and automation since the technology provides efficiency and transparency across businesses that is just not possible without them.”</p><span id=ezoic-pub-ad-placeholder-909 data-method=placement-service></span><span data-ez-ph-id=909></span><h3>Survey Overview and Key Findings</h3><p>PayEm’s survey included 270 finance professionals from diverse roles, industries, and organizational sizes, ranging from accounting managers to CFOs. Participants represented 25 industries, including banking, healthcare, and manufacturing, with organizations ranging from small businesses to large enterprises.<p>Key challenges identified in the survey include:<ul><li><strong>Manual and inefficient processes</strong>: Cited by <strong>55%</strong> of respondents as a significant hurdle in managing spend.<li><strong>Budgetary challenges</strong>: 35% of respondents highlighted issues such as breaking budgets or poor budget performance.</ul><p>The reliance on outdated tools, such as Excel, exacerbates these challenges by limiting access to real-time insights and making it difficult to track expenditures accurately, enforce budgets, and make informed financial decisions.</p><span id=ezoic-pub-ad-placeholder-910 data-method=placement-service></span><span data-ez-ph-id=910></span><p>This lack of transparency can result in overspending, inefficiencies, and missed opportunities for cost optimization.<h3>Barriers to Technology Adoption</h3><p>The survey also highlighted critical factors influencing the adoption of new technologies:</p><span id=ezoic-pub-ad-placeholder-911 data-method=placement-service></span><span data-ez-ph-id=911></span><ul><li><strong>Cost effectiveness</strong>: 80% of executives cited cost as the most important factor when considering the implementation of new technologies.<li><strong>Ease of integration</strong>: 78% of respondents emphasized the need for seamless integration with existing systems.</ul><p>“Many organizations hesitate to adopt new solutions, fearing substantial initial investments and intricate integration processes,” said Jobani. “However, these challenges are often overstated, especially with the availability of scalable, subscription-based SaaS solutions.”<p><em><small>Image: Envato</small></em><hr class=clear></div></div></div></article><span id=ezoic-pub-ad-placeholder-105></span><span data-ez-ph-id=105></span><section id=related-articles><div class=single_section_title>Editor's Picks</div><ul class=single-related-articles><li class=related-article-0><a href=https://smallbiztrends.com/surveys-for-money/><span class=related-articles-img><img width=325 height=182 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22325%22%20height=%22182%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image size-home_cat_image" alt="surveys for money" decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2023/08/Surveys-for-Money-The-10-Best-Legit-Paid-Survey-Websites-to-try-in-2023-325x182.png></span><hr class=clear><span class=related-articles-title>Surveys for Money: The 10 Best Legit Paid Survey Websites to Try</span></a><li class=related-article-1><a href=https://smallbiztrends.com/industry-specific-marketing-content-vistacreate/><span class=related-articles-img><img width=325 height=182 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22325%22%20height=%22182%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image size-home_cat_image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2022/06/v11-325x182.png></span><hr class=clear><span class=related-articles-title>Create Industry Specific Marketing Content With VistaCreate</span></a><li class=related-article-2><a href=https://smallbiztrends.com/tips-to-help-new-business-owners-succeed/><span class=related-articles-img><img width=325 height=182 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22325%22%20height=%22182%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image size-home_cat_image" alt="tips to help new business owners succeed" decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2023/07/tips-to-help-new-business-owners-succeed-325x182.png></span><hr class=clear><span class=related-articles-title>10 Industry-Specific Tips to Help New Business Owners Succeed</span></a><li class=clear><li class=related-article-3><a href=https://smallbiztrends.com/survey-questions/><span class=related-articles-img><img width=325 height=182 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22325%22%20height=%22182%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image size-home_cat_image" alt="survey questions" decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2023/10/zR4hbgoP-survey-questions-325x182.png></span><hr class=clear><span class=related-articles-title>16 Survey Questions to Ask Customers</span></a><li class="related-article-4 sponsored-related-article"><a href=https://smallbiztrends.com/ai-impact-future-of-work/ rel=sponsored><span class=related-articles-img><img width=325 height=182 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22325%22%20height=%22182%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image size-home_cat_image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2023/08/artificial-intelliigence-impact-325x182.jpg></span><hr class=clear><span class=related-articles-title>How AI Will Impact the Future of Work</span> <span class=related-articles-sponsor>Sponsored by <strong>Aircall</strong></span></a><li class=related-article-5><a href=https://smallbiztrends.com/zoho-survey/><span class=related-articles-img><img width=325 height=182 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22325%22%20height=%22182%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image size-home_cat_image" alt="zoho survey" decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2023/06/zoho-survey-325x182.png></span><hr class=clear><span class=related-articles-title>Zoho Survey Provides Small Businesses with Big Data Insights</span></a><li class=clear></ul></section><span id=ezoic-pub-ad-placeholder-137></span><span data-ez-ph-id=137></span><section id=abouttheauthor class=staff-author><div class=single_section_title><a href=https://smallbiztrends.com/author/joshua-sophy/><span>Joshua Sophy</span></a></div><ul class=connectauthor></ul><hr class=clear><div class=author-bio><a href=https://smallbiztrends.com/author/joshua-sophy/ class=author-image><img src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%2265%22%20height=%2265%22%3E%3C/svg%3E" alt="Joshua Sophy" width=65 height=150 class="ezlazyload photo" ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/wp-content/uploads/userphoto/431.thumbnail.jpg></a> Joshua Sophy is the Editor for Small Business Trends and has been a member of the team for 16 years. A professional journalist with 20 years of experience in traditional media and online media, he attended Waynesburg University and is a member of the Society of Professional Journalists. He has held roles of reporter, editor and publisher, having founded his own local newspaper, the Pottsville Free Press.<hr class=clear></div><hr class=clear></section><span id=ezoic-pub-ad-placeholder-138></span><span data-ez-ph-id=138></span></div><aside id=sidebar><div class="smb-widget sideitem section smb-subscribe-widget"><div class=sidebar_title>Subscribe</div><div class="smb-widget-content subsection social-box"><div class="social-wrap even" style=height:20px><a href="https://twitter.com/smallbiztrends?ref_src=twsrc%5Etfw" rel="noopener noreferrer" class=twitter-follow-button data-show-count=false>Follow @smallbiztrends</a><hr class=clear></div><hr class=clear><div class="social-wrap odd" style=height:20px><div class=fb-like data-href=http://www.facebook.com/smallbusinesstrends data-width=260 data-layout=button_count data-action=like data-size=small data-share=true></div><hr class=clear></div><hr class=clear><div class="social-wrap odd links"><a href=https://feeds2.feedburner.com/SmallBusinessTrends rel="noopener noreferrer" class=rss target=_blank>RSS</a> <a href=https://www.linkedin.com/company/small-business-trends rel="noopener noreferrer" class=linkedin target=_blank>LinkedIn</a> <a href=https://www.pinterest.com/smallbiztrends/ class=pinterest rel="noopener noreferrer" target=_blank>Pinterest</a> <a href="https://itunes.apple.com/us/podcast/one-on-one-interviews/id1023250761?mt=2" rel="noopener noreferrer" class=apple target=_blank>iTunes</a> <a href=https://flipboard.com/@smallbiztrends rel="noopener noreferrer" class=flipboard target=_blank><img src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%2224%22%20height=%2224%22%3E%3C/svg%3E" width=24 height=24 alt=Flipboard ezimgfmt="rs rscb1 src ng ngcb1" class=ezlazyload data-ezsrc=https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/images/flipboard-24x24-icon.png></a> <a href=https://www.youtube.com/c/SmallBusinessTrends rel="noopener noreferrer" class=flipboard target=_blank><img src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%2224%22%20height=%2224%22%3E%3C/svg%3E" width=24 height=24 alt=YouTube ezimgfmt="rs rscb1 src ng ngcb1" class=ezlazyload data-ezsrc=https://smallbiztrends.com/wp-content/themes/sahifa-child-smallbiz-1-1/images/youtube-sidebar-social.png></a><hr class=clear></div><hr class=clear><div class="social-wrap even last newsletter-sub"><h3><a href=https://smallbiztrends.com/small-business-newsletter/ class=newsletter>Subscribe to our Newsletter</a></h3><form method=post class=infusion-form id=zcampaignOptinForm action=https://ozyh-zgpvh.maillist-manage.net/weboptin.zc target=_blank><input class=infusion-field-input-container placeholder=Email changeitem=SIGNUP_FORM_FIELD name=CONTACT_EMAIL id=EMBED_FORM_EMAIL_LABEL> <input type=hidden placeholder=Name changeitem=SIGNUP_FORM_FIELD name=LASTNAME id=EMBED_FORM_NAME_LABEL> <button class=newsletter-button>Submit</button> <input type=hidden id=fieldBorder> <input type=hidden id=submitType name=submitType value=optinCustomView> <input type=hidden id=emailReportId name=emailReportId> <input type=hidden id=formType name=formType value=QuickForm> <input type=hidden name=zx id=cmpZuid value=12744605> <input type=hidden name=zcvers value=3.0> <input type=hidden name=oldListIds id=allCheckedListIds> <input type=hidden id=mode name=mode value=OptinCreateView> <input type=hidden id=zcld name=zcld value=13160284b293fdf> <input type=hidden id=zctd name=zctd> <input type=hidden id=document_domain> <input type=hidden id=zc_Url value=ozyh-zgpvh.maillist-manage.net> <input type=hidden id=new_optin_response_in value=0> <input type=hidden id=duplicate_optin_response_in value=0> <input type=hidden name=zc_trackCode id=zc_trackCode value=ZCFORMVIEW> <input type=hidden id=zc_formIx name=zc_formIx value=3z5438978cf93d8a01edc2f3c24a7e1527d4e18b3ab9982663272c79062bc9c39f> <input type=hidden id=viewFrom value=URL_ACTION> <input type=hidden id=scriptless name=scriptless value=yes> <input type=hidden id=zc_spmSubmit name=zc_spmSubmit value=ZCSPMSUBMIT></form><hr class=clear></div></div></div><div class="smb-widget sideitem section smb-subscribe-widget"><div class=ad-300x250><span id=ezoic-pub-ad-placeholder-101></span><span data-ez-ph-id=101></span></div></div><div class="sideitem community smb-widget"><div class=sidebar_title>Popular</div><hr class=clear><div class="popular-articles-tab cat-tag-pop-articles smb-widget-content"><ul><li class=what-happening-0><a href=https://smallbiztrends.com/north-carolina-automotive-business-owner-sentenced-employment-tax-crime/ class=feat-img><img width=120 height=67 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22120%22%20height=%2267%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image_small size-home_cat_image_small wp-post-image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2024/11/gillingham-sues-Pottsville-area-school-district-2-120x67.png></a> <a href=https://smallbiztrends.com/north-carolina-automotive-business-owner-sentenced-employment-tax-crime/>Owner of North Carolina Automotive Business Sentenced for Failing to Pay Over $2 Million in Employment Taxes</a><hr class=clear><li class=what-happening-1><a href=https://smallbiztrends.com/norton-small-business-premium/ class=feat-img><img width=120 height=67 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22120%22%20height=%2267%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image_small size-home_cat_image_small wp-post-image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2024/11/Norton-small-business-120x67.png></a> <a href=https://smallbiztrends.com/norton-small-business-premium/>Norton Unveils Small Business Premium to Strengthen Cybersecurity for Entrepreneurs</a><hr class=clear><li class=what-happening-2><a href=https://smallbiztrends.com/irs-interest-rate-decrease-first-quarter-2025/ class=feat-img><img width=120 height=67 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22120%22%20height=%2267%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image_small size-home_cat_image_small wp-post-image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2024/11/x05giveP-irs-120x67.png></a> <a href=https://smallbiztrends.com/irs-interest-rate-decrease-first-quarter-2025/>IRS Announces Interest Rate Decrease for First Quarter of 2025</a><hr class=clear><li class=what-happening-3><a href=https://smallbiztrends.com/sba-encourages-shoppers-support-local-businesses-small-business-saturday/ class=feat-img><img width=120 height=67 src="data:image/svg+xml,%3Csvg%20xmlns=%22http://www.w3.org/2000/svg%22%20width=%22120%22%20height=%2267%22%3E%3C/svg%3E" class="ezlazyload attachment-home_cat_image_small size-home_cat_image_small wp-post-image" alt decoding=async ezimgfmt="rs rscb1 src ng ngcb1" data-ezsrc=https://smallbiztrends.com/ezoimgfmt/media.smallbiztrends.com/2024/11/small-business-saturday-120x67.png></a> <a href=https://smallbiztrends.com/sba-encourages-shoppers-support-local-businesses-small-business-saturday/>SBA Encourages Shoppers to Support Local Businesses on Small Business Saturday with “Gift Big, Shop Local” Campaign</a><hr class=clear></ul></div></div><div class="smb-widget sideitem section smb-subscribe-widget" id=bottom-sidebar-ad-300x250-v2-wrap><div id=bottom-sidebar-ad-300x250-v2><span id=ezoic-pub-ad-placeholder-102></span><span data-ez-ph-id=102></span></div></div></aside><hr class=clear></div><div class=bread-crumb-wrap><hr class=clear></div><footer><div class=foot-wrap><div class="footer-col about-footer-col"><h3>Small Business Trends</h3><p>Small Business Trends is an award-winning online publication for small business owners, entrepreneurs and the people who interact with them. Our mission is to bring you "Small business success … delivered daily."</div><div class="footer-col contact-menu-footer-col"><h3>More</h3><div class=menu-header><ul id=menu-footer-more class=menu><li id=menu-item-562824 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-562824"><a href=https://smallbiztrends.com/motivational-quotes-for-business/>Motivational Quotes</a><li id=menu-item-459856 class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-459856"><a href=https://smallbiztrends.com/category/small-business-news/>Small Business News</a><li id=menu-item-459860 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-459860"><a href=https://smallbiztrends.com/business-cartoons/>Cartoon Gallery</a></ul></div></div><div class="footer-col contact-menu-footer-col"><h3>Contact</h3><div class=menu-header><ul id=menu-footer-contact class=menu><li id=menu-item-445093 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-445093"><a href=https://smallbiztrends.com/advertise>Advertise</a><li id=menu-item-225099 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-225099"><a href=https://smallbiztrends.com/contact/>Contact Us</a><li id=menu-item-225101 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-225101"><a href=https://smallbiztrends.com/privacy.htm>Privacy Policy</a><li id=menu-item-225102 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-225102"><a href=https://smallbiztrends.com/terms-of-service>Terms</a></ul></div></div><div class="footer-col about-menu-footer-col"><h3>About</h3><div class=menu-header><ul id=menu-footer-about class=menu><li id=menu-item-1486131 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1486131"><a href=https://smallbiztrends.com/about/>About Us</a><li id=menu-item-225094 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-225094"><a href=https://smallbiztrends.com/about>Company</a><li id=menu-item-386107 class="menu-item menu-item-type-custom menu-item-object-custom menu-item-386107"><a href=https://smallbiztrends.com/media-kit/>Media Kit</a><li id=menu-item-582817 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-582817"><a href=https://smallbiztrends.com/editorial-calendar/>Editorial Calendar</a><li id=menu-item-393600 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-393600"><a href=https://smallbiztrends.com/small-business-resource-center/>Resource Center</a><li id=menu-item-225098 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-225098"><a href=https://smallbiztrends.com/archives/>Site Map</a><li id=menu-item-589878 class="menu-item menu-item-type-post_type menu-item-object-page menu-item-589878"><a href=https://smallbiztrends.com/small-business-newsletter/>Newsletter</a></ul></div></div><hr class=clear><div class="footer-col social-footer-col"><a href=https://facebook.com/smallbusinesstrends target=_blank rel="noopener noreferrer" class=social-facebook>Facebook</a> <a href=https://twitter.com/smallbiztrends target=_blank rel="noopener noreferrer" class=social-twitter>Twitter</a> <a href=https://www.linkedin.com/company/small-business-trends target=_blank rel="noopener noreferrer" class=social-linked>Linked In</a> <a href=https://www.pinterest.com/smallbiztrends/ target=_blank rel="noopener noreferrer" class=social-pinterest>Pinterest</a> <a href=https://www.youtube.com/c/SmallBusinessTrends target=_blank rel="noopener noreferrer" class=social-youtube>YouTube</a> <a href=https://flipboard.com/@smallbiztrends target=_blank rel="noopener noreferrer" class=social-flipboard>Flipboard</a> <a href=https://feeds2.feedburner.com/SmallBusinessTrends target=_blank rel="noopener noreferrer" class=social-rss>RSS</a></div><hr class=clear></div></footer><hr class=clear><div class=footer-bottom-wrap><div class=footer-bottom><p class=copy>© Copyright 2003 - 2024, Small Business Trends LLC. All rights reserved.<br>"Small Business Trends" is a registered trademark.</p><span id=ezoic-pub-ad-placeholder-912 data-method=placement-service></span><span data-ez-ph-id=912></span><div class=clear></div></div></div></div><script type=text/ez-screx charset=utf-8>var acceptableCountries=["IN","PH","NG","MY","PK","KE","SG","ID"];var currentCountry=readCookie('user_country_code');var count_pageview=true;if(acceptableCountries.includes(currentCountry)){count_pageview=false;} if(count_pageview){fetch('https://smallbiztrends.com/api/smb-tracker/index.php?action=smb_pageview_tracker_v2&pv_data=YToyOntzOjQ6InNwb2kiO2E6MTp7aTowO2k6MTA1OTE3Mzt9czoxMzoid3BwX3VwZGF0ZV9pZCI7aToxNDk4ODM1O30%3D').then(function(response){if(response.status!==200){console.log('Looks like there was a problem. Status Code: '+ response.status);return;} response.json().then(function(data){console.log(data);});}).catch(function(err){console.log('Fetch Error :-S',err);});console.log("Hello world! This is a PV for NA.");}</script><div id=reading-position-indicator></div><script>const lazyloadRunObserver=()=>{const lazyloadBackgrounds=document.querySelectorAll(`.e-con.e-parent:not(.e-lazyloaded)`);const lazyloadBackgroundObserver=new IntersectionObserver((entries)=>{entries.forEach((entry)=>{if(entry.isIntersecting){let lazyloadBackground=entry.target;if(lazyloadBackground){lazyloadBackground.classList.add('e-lazyloaded');} lazyloadBackgroundObserver.unobserve(entry.target);}});},{rootMargin:'200px 0px 200px 0px'});lazyloadBackgrounds.forEach((lazyloadBackground)=>{lazyloadBackgroundObserver.observe(lazyloadBackground);});};const events=['DOMContentLoaded','elementor/lazyload/observe',];events.forEach((event)=>{document.addEventListener(event,lazyloadRunObserver);});</script><script src=https://smallbiztrends.com/wp-content/plugins/piotnet-addons-for-elementor-pro/assets/js/minify/extension.min.js id=pafe-extension-js></script><script type=text/ez-screx id=wp-polls-js-extra>var pollsL10n={"ajax_url":"https:\/\/smallbiztrends.com\/wp-admin\/admin-ajax.php","text_wait":"Your last request is still being processed. Please wait a while ...","text_valid":"Please choose a valid poll answer.","text_multiple":"Maximum number of choices allowed: ","show_loading":"0","show_fading":"1"};</script><script type=text/ez-screx src="https://smallbiztrends.com/wp-content/plugins/wp-polls/polls-js.js?screx=1&sxcb=1a" id=wp-polls-js></script><script src="https://www.googletagmanager.com/gtag/js?id=G-T5J50P8Q37" id=google_gtagjs-js async></script><script id=google_gtagjs-js-after>window.dataLayer=window.dataLayer||[];function gtag(){dataLayer.push(arguments);} gtag("set","linker",{"domains":["smallbiztrends.com"]});gtag("js",new Date());gtag("set","developer_id.dZTNiMT",true);gtag("config","G-T5J50P8Q37");</script><div class=pafe-break-point data-pafe-break-point-md=767 data-pafe-break-point-lg=1024 data-pafe-ajax-url=https://smallbiztrends.com/wp-admin/admin-ajax.php></div><div data-pafe-form-builder-tinymce-upload=https://smallbiztrends.com/wp-content/plugins/piotnet-addons-for-elementor-pro/inc/tinymce/tinymce-upload.php></div><div data-pafe-plugin-url=https://smallbiztrends.com/wp-content/plugins></div><script async src="https://smallbiztrends.com/ezossp/https/platform.twitter.com/widgets.js?screx=1&sxcb=1a" type=text/ez-screx></script><script type=text/ez-screx>setTimeout('location.reload(true)',3083907);</script><script type=text/ez-screx>(function(){var s=document.createElement('script'),e=!document.body?document.querySelector('head'):document.body;s.src='https://acsbapp.com/apps/app/assets/js/acsb.js';s.async=s.defer=true;s.onload=function(){acsbJS.init({statementLink:'',feedbackLink:'',footerHtml:'',hideMobile:false,hideTrigger:false,language:'en',position:'left',leadColor:'#000080',triggerColor:'#000080',triggerRadius:'50%',triggerPositionX:'left',triggerPositionY:'bottom',triggerIcon:'wheel_chair4',triggerSize:'medium',triggerOffsetX:20,triggerOffsetY:20,mobile:{triggerSize:'small',triggerPositionX:'left',triggerPositionY:'center',triggerOffsetX:0,triggerOffsetY:0,triggerRadius:'0'}});};e.appendChild(s);}());</script><script type=text/ez-screx>if(window.innerWidth>985){if(document.body.contains(document.getElementById('sidebar'))){document.getElementById('sidebar').style.height=document.getElementById('main-content').clientHeight+'px';}}</script><span id=ezoic-pub-ad-placeholder-107></span><span data-ez-ph-id=107></span><div id=ez-sidebar-wall-left class=ez-sidebar-wall style=left:0><div class=ez-sidebar-wall-ad><span id=ezoic-pub-ad-placeholder-108></span><span data-ez-ph-id=108></span><span class=ez-rail-close id=ez-rail-close-left style=top:-21px;left:0;display:none onclick=__ez_close_rail(this.parentElement.parentElement.id)>x</span></div></div><script async src="https://g.ezodn.com/cmp/v2/v.js?v=4"></script><script>(function(){if(typeof document.body==='undefined'||document.body===null){return;} var attachEvent=function(element,evt,func){if(element.addEventListener){element.addEventListener(evt,func,false);}else{element.attachEvent("on"+evt,func);}};attachEvent(document.body,"ezVigImpression",function(e){if(typeof(_ezaq)!=="undefined"&&typeof e==="object"){__ez.pel.Add(e.slot,[(new __ezDotData(e.key,e.value))]);}});})();</script><script>window.__ez_vig_close_wrapper=function(closeFunc,urlAddition){closeFunc();var vc={"enabled":false,"useVignetteLoader":true,"fireEventName":"ezVigImpression","impressionSource":"siderail","urlAddition":"utm_content=sr-left","disableFloor":true,"eventHandlerTest":false};if(typeof urlAddition=='string'){vc.urlAddition=urlAddition;} var v=newEzVignette(vc);v.handleClick();};</script><script data-cfasync=false>!function(){var e=function(e,t){for(var r=0;r<t.length;r++){var n=t[r];if(0==n.complete||void 0!==n.readyState&&n.readyState<4){var o=n.getAttribute("src")||n.currentSrc;void 0!==n.readyState&&0==n.readyState?n.addEventListener("loadstart",(function(e){var t=e.currentTarget.getAttribute("src")||e.currentSrc;window.ezorqs(e,t)})):(o=n.getAttribute("src")||n.currentSrc,window.ezorqs(n,o)),n.addEventListener("load",(function(e){var t=e.currentTarget.getAttribute("src")||e.srcElement.currentSrc;window.ezorqe(e,t)})),n.addEventListener("loadeddata",(function(e){var t=e.currentTarget.getAttribute("src")||e.srcElement.currentSrc;window.ezorqe(e,t)})),n.addEventListener("error",(function(e){var t=e.currentTarget.getAttribute("src")||e.srcElement.currentSrc;window.ezorqe(e,t)}))}}};function t(e){for(var t=0;t<document.styleSheets.length;t++)if(document.styleSheets[t].href==e)return!0;return!1}__ez_addAllListeners=function(){e(0,document.querySelectorAll("img")),e(0,document.querySelectorAll("video")),e(0,document.querySelectorAll("audio")),function(e){for(var r=0;r<e.length;r++){var n=e[r];if(("preload"==n.getAttribute("rel")||"stylesheet"==n.getAttribute("rel"))&&null!=n.getAttribute("href")&&t(n.getAttribute("href"))){window.ezorqs(n,n.getAttribute("href"));var o=document.createElement("img");o.onerror=function(e){void 0!==e.path&&void 0!==e.path[0].currentSrc?window.ezorqe(n,e.path[0].currentSrc):void 0!==e.srcElement&&void 0!==e.srcElement.href&&window.ezorqe(n,e.srcElement.href)},o.src=n.getAttribute("href")}}}(document.querySelectorAll("link")),void 0!==window.__ez.ssaf&&window.__ez.ssaf.indexOf(16)>-1&&void 0!==window.__ez.sshsdef&&!1===window.__ez.sshsdef&&Element.prototype.addEventListener&&("function"==typeof window.onload&&(window.addEventListener("load",window.onload),window.onload=null),"function"==typeof document.onload&&(document.addEventListener.addEventListener("load",document.onload),document.onload=null))},__ez.queue.addFunc("__ez_addAllListeners","__ez_addAllListeners",null,!1,["/detroitchicago/tulsa.js"],!0,!0,!0,!0)}();</script><script data-cfasync=false>__ez.queue.addFile('/tardisrocinante/script_delay.js','/tardisrocinante/script_delay.js?gcb=6&cb=2',false,['/tardisrocinante/screx.js'],true,false,true,false);</script><script style=display:none async>if(typeof window.__ez!=='undefined'&&window.__ez?.queue?.addFileOnce){window.__ez.queue.addFileOnce('identity','https://go.ezodn.com/detroitchicago/indy.js?cb=10&gcb=0',true,[],true,false,false,true);}</script><script data-cfasync="false">function _emitEzConsentEvent(){var customEvent=new CustomEvent("ezConsentEvent",{detail:{ezTcfConsent:window.ezTcfConsent},bubbles:true,cancelable:true,});document.dispatchEvent(customEvent);} (function(window,document){function _setAllEzConsentTrue(){window.ezTcfConsent.loaded=true;window.ezTcfConsent.store_info=true;window.ezTcfConsent.develop_and_improve_services=true;window.ezTcfConsent.measure_ad_performance=true;window.ezTcfConsent.measure_content_performance=true;window.ezTcfConsent.select_basic_ads=true;window.ezTcfConsent.create_ad_profile=true;window.ezTcfConsent.select_personalized_ads=true;window.ezTcfConsent.create_content_profile=true;window.ezTcfConsent.select_personalized_content=true;window.ezTcfConsent.understand_audiences=true;window.ezTcfConsent.use_limited_data_to_select_content=true;window.ezTcfConsent.select_personalized_content=true;} function _clearEzConsentCookie(){document.cookie="ezCMPCookieConsent=tcf2;Domain=.smallbiztrends.com;Path=/;expires=Thu, 01 Jan 1970 00:00:00 GMT";} _clearEzConsentCookie();if(typeof window.__tcfapi!=="undefined"){window.ezgconsent=false;var amazonHasRun=false;function _ezAllowed(tcdata,purpose){return(tcdata.purpose.consents[purpose]||tcdata.purpose.legitimateInterests[purpose]);} function _reloadAds(){if(typeof window.ezorefgsl==="function"&&typeof window.ezslots==="object"){if(typeof __ezapsFetchBids=="function"&&amazonHasRun===false){ezapsFetchBids(__ezaps);if(typeof __ezapsVideo!="undefined"){ezapsFetchBids(__ezapsVideo,"video");} amazonHasRun=true;} var slots=[];for(var i=0;i<window.ezslots.length;i++){if(window[window.ezslots[i]]&&typeof window[window.ezslots[i]]==="object"){slots.push(window[window.ezslots[i]]);}else{setTimeout(_reloadAds,100);return false;}} for(var i=0;i<slots.length;i++){window.ezorefgsl(slots[i]);}}else if(!window.ezadtimeoutset){window.ezadtimeoutset=true;setTimeout(_reloadAds,100);}} function _handleConsentDecision(tcdata){window.ezTcfConsent.loaded=true;if(!tcdata.vendor.consents["347"]&&!tcdata.vendor.legitimateInterests["347"]){window._emitEzConsentEvent();return;} window.ezTcfConsent.store_info=_ezAllowed(tcdata,"1");window.ezTcfConsent.develop_and_improve_services=_ezAllowed(tcdata,"10");window.ezTcfConsent.measure_content_performance=_ezAllowed(tcdata,"8");window.ezTcfConsent.select_basic_ads=_ezAllowed(tcdata,"2");window.ezTcfConsent.create_ad_profile=_ezAllowed(tcdata,"3");window.ezTcfConsent.select_personalized_ads=_ezAllowed(tcdata,"4");window.ezTcfConsent.create_content_profile=_ezAllowed(tcdata,"5");window.ezTcfConsent.measure_ad_performance=_ezAllowed(tcdata,"7");window.ezTcfConsent.use_limited_data_to_select_content=_ezAllowed(tcdata,"11");window.ezTcfConsent.select_personalized_content=_ezAllowed(tcdata,"6");window.ezTcfConsent.understand_audiences=_ezAllowed(tcdata,"9");window._emitEzConsentEvent();} function _handleGoogleConsentV2(tcdata){if(!tcdata||!tcdata.purpose||!tcdata.purpose.consents){return;} var googConsentV2={};if(tcdata.purpose.consents[1]){googConsentV2.ad_storage='granted';googConsentV2.analytics_storage='granted';} if(tcdata.purpose.consents[3]&&tcdata.purpose.consents[4]){googConsentV2.ad_personalization='granted';} if(tcdata.purpose.consents[1]&&tcdata.purpose.consents[7]){googConsentV2.ad_user_data='granted';} if(googConsentV2.analytics_storage=='denied'){gtag('set','url_passthrough',true);} gtag('consent','update',googConsentV2);} __tcfapi("addEventListener",2,function(tcdata,success){if(!success||!tcdata){window._emitEzConsentEvent();return;} if(!tcdata.gdprApplies){_setAllEzConsentTrue();window._emitEzConsentEvent();return;} if(tcdata.eventStatus==="useractioncomplete"||tcdata.eventStatus==="tcloaded"){if(typeof gtag!='undefined'){_handleGoogleConsentV2(tcdata);} _handleConsentDecision(tcdata);if(tcdata.purpose.consents["1"]===true&&tcdata.vendor.consents["755"]!==false){window.ezgconsent=true;(adsbygoogle=window.adsbygoogle||[]).pauseAdRequests=0;_reloadAds();}else{_reloadAds();} if(window.__ezconsent){__ezconsent.setEzoicConsentSettings(ezConsentCategories);} __tcfapi("removeEventListener",2,function(success){return null;},tcdata.listenerId);if(!(tcdata.purpose.consents["1"]===true&&_ezAllowed(tcdata,"2")&&_ezAllowed(tcdata,"3")&&_ezAllowed(tcdata,"4"))){if(typeof __ez=="object"&&typeof __ez.bit=="object"&&typeof window["_ezaq"]=="object"&&typeof window["_ezaq"]["page_view_id"]=="string"){__ez.bit.Add(window["_ezaq"]["page_view_id"],[new __ezDotData("non_personalized_ads",true),]);}}}});}else{_setAllEzConsentTrue();window._emitEzConsentEvent();}})(window,document);</script></body></html>