Table of Content 1 B2B Payment Market Overview 1.1 Product Overview 1.2 Market Segmentation 1.2.1 Market by Types 1.2.2 Market by Applications 1.2.3 Market by Regions 1.3 Global B2B Payment Market Size (2018-2028) 1.3.1 Global B2B Payment Revenue ($) and Growth Rate (2018-2028) 1.3.2 Global B2B Payment Sales Volume and Growth Rate (2018-2028) 1.4 Research Method and Logic 1.4.1 Research Method 1.4.2 Research Data Source 2 Global B2B Payment Market Historic Revenue ($) and Sales Volume Segment by Type 2.1 Global B2B Payment Historic Revenue ($) by Type (2018-2023) 2.2 Global B2B Payment Historic Sales Volume by Type (2018-2023) 2.3 Traditional Bank Sales and Price (2018-2023) 2.4 B2B Tech Solutions Sales and Price (2018-2023) 3 Global B2B Payment Historic Revenue ($) and Sales Volume by Application (2018-2023) 3.1 Global B2B Payment Historic Revenue ($) by Application (2018-2023) 3.2 Global B2B Payment Historic Sales Volume by Application (2018-2023) 3.3 BFSI Sales, Revenue and Growth Rate (2018-2023) 3.4 Healthcare Sales, Revenue and Growth Rate (2018-2023) 3.5 Energy and Electricity Sales, Revenue and Growth Rate (2018-2023) 3.6 Tourism and Transport Sales, Revenue and Growth Rate (2018-2023) 3.7 Retail Sales, Revenue and Growth Rate (2018-2023) 4 Market Dynamic and Trends 4.1 Industry Development Trends under Global Inflation 4.2 Impact of Russia and Ukraine War 4.3 Driving Factors for B2B Payment Market 4.4 Factors Challenging the Market 4.5 Opportunities 4.6 Risk Analysis 4.7 Industry News and Policies by Regions 4.7.1 B2B Payment Industry News 4.7.2 B2B Payment Industry Policies 5 Global B2B Payment Market Revenue ($) and Sales Volume by Major Regions 5.1 Global B2B Payment Sales Volume by Region (2018-2023) 5.2 Global B2B Payment Market Revenue ($) by Region (2018-2023) 6 Global B2B Payment Import Volume and Export Volume by Major Regions 6.1 Global B2B Payment Import Volume by Region (2018-2023) 6.2 Global B2B Payment Export Volume by Region (2018-2023) 7 North America B2B Payment Market Current Status (2018-2023) 7.1 Overall Market Size Analysis (2018-2023) 7.1.1 North America B2B Payment Revenue ($) and Growth Rate (2018-2023) 7.1.2 North America B2B Payment Sales Volume and Growth Rate (2018-2023) 7.2 North America B2B Payment Market Trends Analysis Under Global Inflation 7.3 North America B2B Payment Sales Volume and Revenue ($) by Country (2018-2023) 7.4 United States 7.4.1 United States B2B Payment Revenue ($) and Growth Rate (2018-2023) 7.5 Canada 7.5.1 Canada B2B Payment Revenue ($) and Growth Rate (2018-2023) 8 Asia Pacific B2B Payment Market Current Status (2018-2023) 8.1 Overall Market Size Analysis (2018-2023) 8.1.1 Asia Pacific B2B Payment Revenue ($) and Growth Rate (2018-2023) 8.1.2 Asia Pacific B2B Payment Sales Volume and Growth Rate (2018-2023) 8.2 Asia Pacific B2B Payment Market Trends Analysis Under Global Inflation 8.3 Asia Pacific B2B Payment Sales Volume and Revenue ($) by Country (2018-2023) 8.4 China 8.4.1 China B2B Payment Revenue ($) and Growth Rate (2018-2023) 8.5 Japan 8.5.1 Japan B2B Payment Revenue ($) and Growth Rate (2018-2023) 8.6 India 8.6.1 India B2B Payment Revenue ($) and Growth Rate (2018-2023) 8.7 South Korea 8.7.1 South Korea B2B Payment Revenue ($) and Growth Rate (2018-2023) 8.8 Southeast Asia 8.8.1 Southeast Asia B2B Payment Revenue ($) by Country (2018-2023) 8.9 Australia 8.9.1 Australia B2B Payment Revenue ($) and Growth Rate (2018-2023) 9 Europe B2B Payment Market Current Status (2018-2023) 9.1 Overall Market Size Analysis (2018-2023) 9.1.1 Europe B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.2.1 Europe B2B Payment Sales Volume and Growth Rate (2018-2023) 9.2 Europe B2B Payment Market Trends Analysis Under Global Inflation 9.3 Europe B2B Payment Sales Volume and Revenue ($) by Country (2018-2023) 9.4 Germany 9.4.1 Germany B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.5 France 9.5.1 France B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.6 United Kingdom 9.6.1 United Kingdom B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.7 Italy 9.7.1 Italy B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.8 Spain 9.8.1 Spain B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.9 Russia 9.9.1 Russia B2B Payment Revenue ($) and Growth Rate (2018-2023) 9.10 Poland 9.10.1 Poland B2B Payment Revenue ($) and Growth Rate (2018-2023) 10 Latin America B2B Payment Market Current Status (2018-2023) 10.1 Overall Market Size Analysis (2018-2023) 10.1.1 Latin America B2B Payment Revenue ($) and Growth Rate (2018-2023) 10.1.2 Latin America B2B Payment Sales Volume and Growth Rate (2018-2023) 10.2 Latin America B2B Payment Market Trends Analysis Under Global Inflation 10.3 Latin America B2B Payment Sales Volume and Revenue ($) by Country (2018-2023) 10.4 Mexico 10.4.1 Mexico B2B Payment Revenue ($) and Growth Rate (2018-2023) 10.5 Brazil 10.5.1 Brazil B2B Payment Revenue ($) and Growth Rate (2018-2023) 10.6 Argentina 10.6.1 Argentina B2B Payment Revenue ($) and Growth Rate (2018-2023) 11 Middle East and Africa B2B Payment Market Current Status (2018-2023) 11.1 Overall Market Size Analysis (2018-2023) 11.1.1 Middle East and Africa B2B Payment Revenue ($) and Growth Rate (2018-2023) 11.2.1 Middle East and Africa B2B Payment Sales Volume and Growth Rate (2018-2023) 11.2 Middle East and Africa B2B Payment Market Trends Analysis Under Global Inflation 11.3 Middle East and Africa B2B Payment Sales Volume and Revenue ($) by Country (2018-2023) 11.4 GCC Countries 11.4.1 GCC Countries B2B Payment Revenue ($) and Growth Rate (2018-2023) 11.5 Africa 11.5.1 Africa B2B Payment Revenue ($) and Growth Rate (2018-2023) 12 Market Competition Analysis and Key Companies Profiles 12.1 Market Competition by Key Players 12.1.1 Global B2B Payment Revenue ($) and Market Share of Key Players 12.1.2 Global B2B Payment Sales Volume and Market Share of Key Players 12.1.3 Global B2B Payment Average Price by Players 12.1.4 Mergers & Acquisitions, Expansion 12.2 Fexco Market Performance and Business Analysis 12.2.1 Company Profiles 12.2.2 Product Profiles and Application 12.2.3 Fexco Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.3 Masstercard Market Performance and Business Analysis 12.3.1 Company Profiles 12.3.2 Product Profiles and Application 12.3.3 Masstercard Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.4 Google Market Performance and Business Analysis 12.4.1 Company Profiles 12.4.2 Product Profiles and Application 12.4.3 Google Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.5 Bill.com Market Performance and Business Analysis 12.5.1 Company Profiles 12.5.2 Product Profiles and Application 12.5.3 Bill.com Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.6 Apple Market Performance and Business Analysis 12.6.1 Company Profiles 12.6.2 Product Profiles and Application 12.6.3 Apple Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.7 FIS Market Performance and Business Analysis 12.7.1 Company Profiles 12.7.2 Product Profiles and Application 12.7.3 FIS Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.8 D+H Market Performance and Business Analysis 12.8.1 Company Profiles 12.8.2 Product Profiles and Application 12.8.3 D+H Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.9 SAP Market Performance and Business Analysis 12.9.1 Company Profiles 12.9.2 Product Profiles and Application 12.9.3 SAP Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.10 American Express Market Performance and Business Analysis 12.10.1 Company Profiles 12.10.2 Product Profiles and Application 12.10.3 American Express Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.11 Apruve Market Performance and Business Analysis 12.11.1 Company Profiles 12.11.2 Product Profiles and Application 12.11.3 Apruve Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.12 PayPal Market Performance and Business Analysis 12.12.1 Company Profiles 12.12.2 Product Profiles and Application 12.12.3 PayPal Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.13 Tenpay Technology Company Market Performance and Business Analysis 12.13.1 Company Profiles 12.13.2 Product Profiles and Application 12.13.3 Tenpay Technology Company Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.14 Visa Market Performance and Business Analysis 12.14.1 Company Profiles 12.14.2 Product Profiles and Application 12.14.3 Visa Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.15 Traxpay Market Performance and Business Analysis 12.15.1 Company Profiles 12.15.2 Product Profiles and Application 12.15.3 Traxpay Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 12.16 Square Market Performance and Business Analysis 12.16.1 Company Profiles 12.16.2 Product Profiles and Application 12.16.3 Square Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) 13 Value Chain of the B2B Payment Market 13.1 Value Chain Status 13.1.1 Value Chain Status Under Global Inflation 13.2 Key Raw Materials and Suppliers 13.2.1 Key Raw Materials Introduction 13.2.2 Key Suppliers of Raw Materials 13.3 Manufacturing Cost Structure Analysis 13.3.1 Production Process Analysis 13.3.2 Manufacturing Cost Structure of B2B Payment 13.3.3 Raw Material Cost of B2B Payment 13.3.4 Labor Cost of B2B Payment 13.4 Major Distributors by Region 13.5 Customer Analysis 14 New Project Feasibility Analysis 14.1 Industry Barriers and New Entrants SWOT Analysis 14.2 Analysis and Suggestions on New Project Investment 15 Global B2B Payment Market Revenue ($) and Sales Volume Forecast Segment by Type, Application and Region 15.1 Global B2B Payment Revenue ($) and Sales Volume Forecast by Type (2023-2028) 15.1.1 Global B2B Payment Revenue ($) Forecast by Type (2023-2028) 15.1.2 Global B2B Payment Sales Volume Forecast by Type (2023-2028) 15.2 Global B2B Payment Revenue ($) and Sales Volume Forecast by Application (2023-2028) 15.2.1 Global B2B Payment Revenue ($) Forecast by Application (2023-2028) 15.2.2 Global B2B Payment Sales Volume Forecast by Application (2023-2028) 15.3 Global B2B Payment Sales Volume Forecast by Region (2023-2028) 15.4 Global B2B Payment Revenue ($) Forecast by Region (2023-2028) 16 Research Findings and Conclusion

List of Tables and Figures Figure B2B Payment Picture Table B2B Payment Definition Table Description and Definitions Figure Traditional Bank Features Figure B2B Tech Solutions Features Table Description and Definitions Figure BFSI Figure Healthcare Figure Energy and Electricity Figure Tourism and Transport Figure Retail Figure North America B2B Payment Revenue ($) and Growth Rate (2018-2028) Figure Asia Pacific B2B Payment Revenue ($) and Growth Rate (2018-2028) Figure Europe B2B Payment Revenue ($) and Growth Rate (2018-2028) Figure Latin America B2B Payment Revenue ($) and Growth Rate (2018-2028) Figure Middle East and Africa B2B Payment Revenue ($) and Growth Rate (2018-2028) Figure Global B2B Payment Revenue ($) and Growth Rate (2018-2028) Figure Global B2B Payment Sales Volume and Growth Rate (2018-2028) Table Global B2B Payment Historic Revenue ($) by Type (2018-2023) (Million USD) Table Global B2B Payment Historic Revenue ($) Share by Type (2018-2023) Table Global B2B Payment Historic Sales Volume by Type (2018-2023) Table Global B2B Payment Historic Sales Volume Share by Type (2018-2023) Figure Global Traditional Bank Sales and Growth Rate (2018-2023) Figure Global Traditional Bank Price (2018-2023) Figure Global B2B Tech Solutions Sales and Growth Rate (2018-2023) Figure Global B2B Tech Solutions Price (2018-2023) Table Global B2B Payment Historic Revenue ($) by Application (2018-2023) (Million USD) Table Global B2B Payment Historic Revenue ($) Share by Application (2018-2023) Table Global B2B Payment Historic Sales Volume by Application (2018-2023) (Million USD) Table Global B2B Payment Historic Sales Volume Share by Application (2018-2023) Figure Global BFSI Sales and Growth Rate (2018-2023) Figure Global BFSI Revenue and Growth Rate (2018-2023) Figure Global Healthcare Sales and Growth Rate (2018-2023) Figure Global Healthcare Revenue and Growth Rate (2018-2023) Figure Global Energy and Electricity Sales and Growth Rate (2018-2023) Figure Global Energy and Electricity Revenue and Growth Rate (2018-2023) Figure Global Tourism and Transport Sales and Growth Rate (2018-2023) Figure Global Tourism and Transport Revenue and Growth Rate (2018-2023) Figure Global Retail Sales and Growth Rate (2018-2023) Figure Global Retail Revenue and Growth Rate (2018-2023) Table Industry Development Trends under Global Inflation Table Impact of Russia and Ukraine War Table Driving Factors for B2B Payment Market Table Factors Challenging the Market Table Opportunities Table Risk Analysis Table Industry News by Regions Table Industry Policies by Regions Table Global B2B Payment Sales Volume by Region (2018-2023) Table Global B2B Payment Sales Volume Share by Region (2018-2023) Table Global B2B Payment Market Revenue ($) by Region (2018-2023) Table Global B2B Payment Market Revenue ($) Share by Region (2018-2023) Table Global B2B Payment Import Volume by Region (2018-2023) Table Global B2B Payment Export Volume by Region (2018-2023) Figure North America B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure North America B2B Payment Sales Volume and Growth Rate (2018-2023) Table North America B2B Payment Market Trends Analysis Under Global Inflation Table North America B2B Payment Revenue ($) by Country (2018-2023) Table North America B2B Payment Sales Volume by Country (2018-2023) Figure United States B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Canada B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Asia Pacific B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Asia Pacific B2B Payment Sales Volume and Growth Rate (2018-2023) Table Asia Pacific B2B Payment Market Trends Analysis Under Global Inflation Table Asia Pacific B2B Payment Revenue ($) by Country (2018-2023) Table Asia Pacific B2B Payment Sales Volume by Country (2018-2023) Figure China B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Japan B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure India B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure South Korea B2B Payment Revenue ($) and Growth Rate (2018-2023) Table Southeast Asia B2B Payment Revenue ($) by Country (2018-2023) Figure Australia B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Europe B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Europe B2B Payment Sales Volume and Growth Rate (2018-2023) Table Europe B2B Payment Market Trends Analysis Under Global Inflation Table Europe B2B Payment Revenue ($) by Country (2018-2023) Table Europe B2B Payment Sales Volume by Country (2018-2023) Figure Germany B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure France B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure United Kingdom B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Italy B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Spain B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Russia B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Poland B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Latin America B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Latin America B2B Payment Sales Volume and Growth Rate (2018-2023) Table Latin America B2B Payment Market Trends Analysis Under Global Inflation Table Latin America B2B Payment Revenue ($) by Country (2018-2023) Table Latin America B2B Payment Sales Volume by Country (2018-2023) Figure Mexico B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Brazil B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Argentina B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Middle East and Africa B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Middle East and Africa B2B Payment Sales Volume and Growth Rate (2018-2023) Table Middle East and Africa B2B Payment Market Trends Analysis Under Global Inflation Table Middle East and Africa B2B Payment Revenue ($) by Country (2018-2023) Table Middle East and Africa B2B Payment Sales Volume by Country (2018-2023) Figure GCC Countries B2B Payment Revenue ($) and Growth Rate (2018-2023) Figure Africa B2B Payment Revenue ($) and Growth Rate (2018-2023) Table Global B2B Payment Revenue ($) of Key Players (2018-2023) Table Global B2B Payment Revenue ($) Share of Key Players (2018-2023) Table Global B2B Payment Sales Volume of Key Players (2018-2023) Table Global B2B Payment Sales Volume Share of Key Players (2018-2023) Table Global B2B Payment Average Price of Key Players (2018-2023) Table Mergers & Acquisitions, Expansion Plans Table Fexco Company Profiles Table Product Profiles and Application Table Fexco Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Fexco Production and Growth Rate Figure Fexco Value ($) Market Share 2018-2023 Table Masstercard Company Profiles Table Product Profiles and Application Table Masstercard Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Masstercard Production and Growth Rate Figure Masstercard Value ($) Market Share 2018-2023 Table Google Company Profiles Table Product Profiles and Application Table Google Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Google Production and Growth Rate Figure Google Value ($) Market Share 2018-2023 Table Bill.com Company Profiles Table Product Profiles and Application Table Bill.com Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Bill.com Production and Growth Rate Figure Bill.com Value ($) Market Share 2018-2023 Table Apple Company Profiles Table Product Profiles and Application Table Apple Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Apple Production and Growth Rate Figure Apple Value ($) Market Share 2018-2023 Table FIS Company Profiles Table Product Profiles and Application Table FIS Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure FIS Production and Growth Rate Figure FIS Value ($) Market Share 2018-2023 Table D+H Company Profiles Table Product Profiles and Application Table D+H Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure D+H Production and Growth Rate Figure D+H Value ($) Market Share 2018-2023 Table SAP Company Profiles Table Product Profiles and Application Table SAP Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure SAP Production and Growth Rate Figure SAP Value ($) Market Share 2018-2023 Table American Express Company Profiles Table Product Profiles and Application Table American Express Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure American Express Production and Growth Rate Figure American Express Value ($) Market Share 2018-2023 Table Apruve Company Profiles Table Product Profiles and Application Table Apruve Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Apruve Production and Growth Rate Figure Apruve Value ($) Market Share 2018-2023 Table PayPal Company Profiles Table Product Profiles and Application Table PayPal Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure PayPal Production and Growth Rate Figure PayPal Value ($) Market Share 2018-2023 Table Tenpay Technology Company Company Profiles Table Product Profiles and Application Table Tenpay Technology Company Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Tenpay Technology Company Production and Growth Rate Figure Tenpay Technology Company Value ($) Market Share 2018-2023 Table Visa Company Profiles Table Product Profiles and Application Table Visa Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Visa Production and Growth Rate Figure Visa Value ($) Market Share 2018-2023 Table Traxpay Company Profiles Table Product Profiles and Application Table Traxpay Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Traxpay Production and Growth Rate Figure Traxpay Value ($) Market Share 2018-2023 Table Square Company Profiles Table Product Profiles and Application Table Square Market Performance Analysis (Revenue ($), Sales Volume, Price, Gross, Gross Margin) Figure Square Production and Growth Rate Figure Square Value ($) Market Share 2018-2023 Figure Industry Chain Analysis of B2B Payment Table Value Chain Status Under Global Inflation Table Key Raw Materials Introduction Table Upstream Raw Material Suppliers of B2B Payment with Contact Information Figure Production Process of B2B Payment Figure Manufacturing Cost Structure of B2B Payment Table Major Distributors of B2B Payment with Contact Information Table Major Downstream Buyers of B2B Payment with Contact Information Figure Industry Resource/Technology/Labor Importance Analysis Table New Entrants SWOT Analysis Table New Project Analysis of Investment Recovery Table Global B2B Payment Revenue ($) Forecast by Type (2023-2028) (Million USD) Table Global B2B Payment Revenue ($) Share Forecast by Type (2023-2028) Table Global B2B Payment Sales Volume Forecast by Type (2023-2028) (Million USD) Table Global B2B Payment Sales Volume Share Forecast by Type (2023-2028) Table Global B2B Payment Revenue ($) Forecast by Application (2023-2028) (Million USD) Table Global B2B Payment Revenue ($) Share Forecast by Application (2023-2028) Table Global B2B Payment Sales Volume Forecast by Application (2023-2028) (Million USD) Table Global B2B Payment Sales Volume Share Forecast by Application (2023-2028) Table Global B2B Payment Sales Volume Forecast by Region (2023-2028) Table Global B2B Payment Sales Volume Share Forecast by Region (2023-2028) Table Global B2B Payment Revenue ($) Forecast by Region (2023-2028) Table Global B2B Payment Revenue ($) Share Forecast by Region (2023-2028)