Vendor networks let insurers reuse validated payment instructions instead of rebuilding the same vendor relationships claim by claim. That gap between payment approval and claim resolution is spurring the rise of vendor provider networks in insurance. The networks connect carriers with the businesses they pay during a claim, preserve vendor payment preferences and reduce the need for every insurer to establish the same relationships separately. Digital Access Does Not Guarantee Digital Adoption“The biggest challenge is that digital payment technology alone does not create digital adoption,” Carlin said. Consumers may never see the vendor network or know which rail delivered the funds.