John Toman is Chief Product Officer and Co-founder of Pivot Payables, a fintech company delivering corporate financial operations solutions. With a history of developing accounts payable automation and business to business payment solutions, Toman is a pioneer in applying AI, blockchain and virtual credit cards to improve financial operations. Toman writes about all things AP in his blog, “The Payables Guy.” Visit Pivot Payables at www.pivotpayables.com.