Elevated payment risk
Payment exposure is rising as insolvencies persist and receivables weaken across export markets, placing disproportionate pressure on SMEs with limited balance‑sheet buffers.

Concentrated growth opportunities
Growth remains achievable but is increasingly confined to specific trade corridors with stronger credit fundamentals, regulatory clarity, and data transparency.

Data‑ and AI‑enabled risk control
Firms are deploying AI and advanced data analytics to improve credit visibility, manage late payments, and mitigate data and counterparty risk—while maintaining tight ROI discipline amid broader capital constraints.