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The Velocity Stack

Where transaction & payment economics meet operational reality. I decode the power shift between ERPs, fintechs, and banks to reveal who captures the value.

Newsletter · By Henry Ijams · Official site

Indexed issues, last 90 days
3
Latest publication
Sep 29, 2026
Audience
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Earliest in this view
Aug 28, 2026

Latest issues

  1. Issue · Sep 29, 2026

    The Check Stub Was the Best Remittance You Ever Got (opens the original)

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    The paper check had one virtue nobody in AR appreciates until it’s gone. The explanation came in the same envelope as the money.ACH took the envelope away. Our bank file now shows a) amount, b) date, and c) customer name (or perhaps a shared-services corporate disbursement account). The buyer’s AP system knew which 12 invoices that credit covered, which two discounts it took, and why it short-paid a third. Now your remit team gets to rebuild that decision from just one deposit line.<p class="cta

  2. Issue · Sep 8, 2026

    Somebody Is Getting Paid to Slow Your Cash Down (opens the original)

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    Most weeks I write to accounts payable people in the morning and talk to the receivables side in the afternoon. Same industry, same invoices, completely different problems. The AP folks want fewer exceptions and a cleaner approval queue. The controllers and treasurers want to know why cash that was earned in June is still sitting somewhere in September.I always thought of those as two rooms in the same house. Different faucets, one set of pipes. Then I read last month’s working capital numbers a

  3. Issue · Aug 28, 2026

    Where Is Your Cash Hiding? (opens the original)

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    I recently spent ten days crossing the Alps on foot. "Backpacking" would be an overstatement—my trip was closer to glamping: I walked from hut to hotel while somebody else hauled my gear. The routine was beautifully uncomplicated. Boots on, hike a pass, eat, sleep, start again. Before I knew it, the ten days had slipped away. Back at my desk, with summer nearly over, the same familiar question surfaced:Where did the days go?Thanks for reading The Velocity Stack! Subscrib

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