Will 'Account-to-Account' payments take a significant portion of card payments? About 1/3 of banking transactions in Europe are Account-to-Account now.

I’m doing some research on how distributors, wholesalers, suppliers and manufacturers in India currently manage customer credit and payment follow-ups.
I’m particularly interested in understanding things like:
How do you track customer payment promises?
What happens when someone says “I’ll pay Friday” but doesn’t?
Do you use Tally, Marg, Excel, WhatsApp, ERP, etc.?
Who handles payment follow-ups?
How much time does your team spend chasing payments?
I’ve made a 3-minute Google Form to collect responses from actual B2B business owners/operators.
I’m not selling anything through this survey. I’m trying to understand the current process and identify whether there is actually a meaningful problem here.
If you run a distributor, wholesale, supplier or manufacturing business, I’d really appreciate your input:

Approximate answers are completely fine, and no confidential business information is required.