Short-term cash flow problems are a common woe of consumers and smaller businesses alike. Overdraft — and its high fees — often served as the main safety net. But in a new PYMNTS interview with Karen Webster, Fiserv’s Ken Patrick and Victoria Dougherty talk about how digital technology, algorithms and other tools can provide more liquidity, and why a proactive approach to cash flow can work much better for everyone than a reactive take.

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