Protected: Cross-border payments: a niche offering that is reshaping the competitive landscape
- 04/09/2025
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- Reading time: 2 minutes
Cross-border payments are undergoing a major transformation, driven by fintech companies, digital banks and big tech firms. Traditional banks are responding by forming fintech partnerships to enhance their digital capabilities and stay competitive.
This article explores key insights from industry leaders, outlining how banks can leverage strategic collaborations, regulatory agility and emerging payment technologies to navigate the evolving cross-border payment landscape in 2025. A second article offers a deep dive through exclusive interviews with executives from Banking Circle and Visa.
This article explores key insights from industry leaders, outlining how banks can leverage strategic collaborations, regulatory agility and emerging payment technologies to navigate the evolving cross-border payment landscape in 2025. A second article offers a deep dive through exclusive interviews with executives from Banking Circle and Visa.
You should now be able to talk about these key points of the article:
- Why are fintech partnerships becoming essential for incumbent banks in the cross-border payments landscape? Fintech companies offer speed, real-time functionality and embedded finance solutions that traditional banks often lack. Strategic partnerships allow banks to stay competitive by offering streamlined international transactions and enhanced digital customer experiences.
- What makes real-time cross-border payments a new industry standard rather than just a trend? Real-time cross-border payments minimize delays, reduce costs and improve transparency – responding directly to market demands. Players like Visa, Revolut and Banking Circle have shown that instant FX transfers and embedded compliance are no longer differentiators – they’re now industry expectations.
[1] Statista (n. d.): Cross-border payments value worldwide by segment,accessed June 30, 2025.
[2] Alloy (2024): 11 Embedded finance stats for banks, accessed June 30, 2025.
[3] Visa (2024): Visa and Revolut sign global Visa Direct agreement to deliver real time cross-border transactions for business customers, accessed June 30, 2025.
[4] Statista (n. d.): Fintech – statistics & facts, accessed June 30, 2025.
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