The document discusses how late payments from vendors are slowing down the economy and increasing risks for small businesses. It notes that day payments outstanding and cash flow difficulties are challenges for SMEs due to vendors taking longer than agreed terms to make payments. Late payments impact SME investment, staffing, and incur $5,000-$6,000 annually in costs to chase payments. Digital transformation of accounts payable functions through workflow automation, machine learning for invoice processing, and automated invoice matching can help address this issue.