45% of SMBs Want to Reduce Cash Use

Small businesses that rely heavily on cash could offer banks a receptive audience for business credit cards, provided those cards solve everyday problems with costs and cash flow. That’s the opportunity identified in “ Ready for Change: Why Nearly Half of SMBs Want to Ditch Cash and Checks ,” a February 2026 PYMNTS Intelligence report produced in collaboration with Mastercard. Based on a December survey of 412 U.S.