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| New York, NY, USA Manifest Destiny:
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| Executive Summary | 04 | |
| Introduction | 07 | |
| How Small Is Small? | 09 | |
| The Coming Competition | 10 | |
| The Centrality of Checks Among SMBs | 14 | |
| The Broader Small Business Payments Picture | 19 | |
| Sizing the Opportunity | 22 | |
| Proxies for RDC Adoption | 23 | |
| Small Business Adoption Forecast | 26 | |
| Seizing the Opportunity | 30 | |
| Getting the Positioning Right | 31 | |
| Getting the Solution Right | 34 | |
| Reaching Micro Businesses | 38 | |
| Conclusions | 41 | |
| Appendix: Survey Demographics | 42 | |
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