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Automating payments and billing processes is another key investment for middle-market businesses over the next year , with 83 % planning to increase or improve this process . Similarly , small businesses are more likely , compared to last year , to plan on investing in innovative payment methods ( 38 % vs . 19 %) and automation ( 21 % vs . 13 %), as well as customer relationship management tools ( 42 % vs . 30 %) and e-commerce ( 38 % vs . 27 %). �