Domestic instant payments have set new standards for speed, transparency, and convenience. Yet, once money crosses borders, users often face hidden costs, opaque processes, and uncertainty—symptoms of the “weakest-link” problem when advanced and legacy systems connect.

This white paper unpacks the cross-border experience from the end-user’s lens, exposing pain points around inconsistent addressing, lack of cost visibility, and fragmented dispute resolution. More importantly, it lays out a roadmap for providers to turn these weaknesses into competitive advantage—through premium user experiences, dynamic choice engines, and consistent support frameworks powered by ISO 20022, smart APIs, FX transparency, and real-time status orchestration. For financial institutions, the message is clear: the winners will be those who design around today’s limitations, not wait for tomorrow’s harmonization. By delivering cross-border journeys as seamless as domestic payments, providers can capture trust, loyalty, and market share while aligning with global policy goals on inclusion and cost reduction.

Unlock the full paper to discover the strategies and technical enablers that can transform cross-border payments into a growth engine.