In a business environment where the only constant is change, the small business owners who see the most success are the ones leaning into it. Small businesses sit at the epicenter of these changes, asking: What's truly different? From interest rate uncertainty to global trade tensions, small businesses often lack the cushion larger enterprises rely on to absorb these shocks. As AI and automation reshape industries, small business owners must ask: Is this the right investment now? Case in point: nearly 90% of U.S. consumers prefer to pay by card — yet many small businesses still don't accept them.