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The study assesses commercial payers’ actions in establishing a next-gen or 3.0 payments harmonization. The survey is designed to establish the current state of payments harmonization and payment options available to providers, and is relevant for B2B payments executives at health plans and TPAs that make disbursement to providers, banks, benefit administration companies, claims clearinghouse businesses, merchant-acquiring businesses, patient accounting or practice management software vendors, payments networks, remittance solution providers, and third-party payment platforms that operate in digital payments.