@techreport{azar2026tradecredittechnology,
  author      = {Azar, Shimon},
  title       = {Trade Credit Insurance Technology Benchmark 2026},
  institution = {CrediArc Research},
  year        = {2026},
  month       = {August},
  url         = {https://crediarc.com/research/trade-credit-insurance-technology-benchmark/},
  note        = {Expert maturity framework. Version 2026.1. Published 2026-08-11; updated 2026-09-09. Not a vendor ranking or market-performance survey.}
}