Shruti Patel
speaker
217 appearances
1 recordings
1 series
first heard Jul 2026
last heard 29 Jul
Shruti Patel’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.
Appearances
And I think part of it is also because companies sometimes don't even realize what is the cost of the human capital investment, right?
Because when you're investing in labor, you don't sometimes effectively measure how much of that is costing you versus like the digital tools and all the new tech you keep innovating or investing in.
Yeah, we expected a much higher number, honestly speaking, in our survey.
We saw some businesses, so I would say about a quarter of the businesses reported that they're already investing
in ways to accept digital currency as a form of payment, if customers choose it.
However, from the ones who haven't invested in digital currency, almost half of them actually expressed the need to invest in either stablecoins or crypto or tokenized deposits over the next 12 months.
And what we also found is that I think there's a little bit of a, is this going to help drive higher impact to my business?
A lot of the businesses who don't accept digital currency today weren't able to really articulate in the survey on whether customers choose to use this as a form of payment or whether they're going to see more increased revenue.
or impact either by accepting it or a downside by not accepting it.
So I think the verdict is still out there.
I think some of the more innovative businesses have started thinking about that as a form of payment, but it's very early and we're not seeing a lot of customer adoption just yet based on the survey findings.
100% agree.
You know, one of the biggest things small businesses keep an eye on, especially for e-commerce related businesses who are online, you know, cut abandon is super important to them.
They want to offer a very frictionless, non-chunky, non-clunky checkout, you know, and so...
As we think about digital currency, the idea is exactly that.
Whether it's an easy swipe or a tap or an insert, that's what it should look like for anybody who's willing to use digital currency.
And I think as we think about driving that adoption from a bank perspective, whether it's through our merchant business or empowering our consumers,
We want to keep that in mind, which is whatever form of payment it is that we offer, it needs to be super seamless.
We found a few takeaways.
The survey always gives us very good insights in terms of how we want to think about custom solutions for our small businesses.
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