Global Payments: The Future of Cross-Border Fintech
Global payments are changing fast. Discover how fintechs can succeed with real-time tech, clear rules, and digital currencies.

Quick Take
Summary is AI generated, newsroom reviewed.
Real-time payment systems are becoming essential for faster, smoother cross-border transactions.
Navigating different countries’ regulations is complex, but RegTech tools can simplify compliance.
Emerging digital currencies like CBDCs and cryptocurrencies offer cheaper and quicker payment options.
Fintechs must adapt quickly to stay competitive in the rapidly evolving global payments landscape.
Global payments are changing faster than ever, and fintech companies have to keep up or risk falling behind. Finextra’s latest webinar report, made with Visa Direct, breaks down what’s happening in cross-border payments and how fintechs can stay ahead. The report focuses on three big things: real-time payments, tricky regulations, and new types of digital money. Let’s dive in.
Real-Time Payments Are the Future
First off, customers and businesses don’t want to wait days for money to move anymore. They expect it instantly. So, real-time payment systems are becoming the new normal. According to Finextra, fintechs that build or upgrade these systems will offer a much better experience. After all, no one likes waiting for their money to clear.
Besides making users happy, real-time payments help companies manage their money better. Banks and payment providers can keep track of cash flow easily and avoid mistakes. That’s why many fintechs are investing in these upgrades now — it’s not just a “nice to have” but a must-have.
Regulations Are Still a Maze, But There’s a Way Through
Next up: Regulations.
This is often the hardest part for fintechs. Every country has its own rules for sending money to other places. These rules are there to stop illegal actions and to check that people are who they say they are. So, figuring out and following all these different rules can be confusing.
But, Finextra says fintech companies don’t have to handle this all by themselves. They can use special tools called RegTech to automate these checks. This helps them follow the rules without slowing down their work. Plus, having good communication with regulators can really help fintechs stay on the right track. It helps fintechs know what’s coming and stay ahead.
Digital Currencies Are Changing How Money Moves
Then, there’s the rise of digital currencies. This covers well-known cryptocurrencies like Bitcoin, as well as new digital currencies being created by central banks around the world, called CBDCs. This new kind of currency could make sending money abroad faster and cheaper for everyone.
Finextra and Visa Direct suggest that fintechs who include these digital currencies in their offerings could reach new customers and save money on fees. However, this comes with risks. Digital currencies can be unpredictable, so security and careful risk management are key.
What Does This Mean for Fintechs?
In short, fintechs must adapt quickly. Real-time payments, smart regulation strategies, and embracing digital currencies aren’t optional anymore — they’re essential. Customers want faster, cheaper, and safer ways to send money across borders, and fintechs who deliver this will lead the market.
On the other hand, those who don’t keep up with global payments may lose out. The world of payments is changing rapidly, and only the most agile will succeed.

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