Innovation at the Core: How Marketplaces Are Transforming Revenue, Cost and Risk Strategies

Global marketplaces are rapidly evolving beyond simple transactional platforms to become dynamic, experience-led ecosystems, driven by a strategic focus on innovation to enhance revenue generation, optimize costs, and effectively manage risk. This transformation involves internalizing financial infrastructures, leveraging advanced payment solutions, and navigating complex regulatory landscapes to create scalable, secure, and cost-effective networks. For CFOs and treasurers, this shift presents significant opportunities to drive growth and build trust by partnering with institutions that offer flexible and compliant solutions.

Key Highlights:

• Marketplaces are moving beyond transactional models to create value-added ecosystems, focusing on customer engagement and broader value chain capture.
• Revenue reimagining includes advanced supplier validation, early pay solutions, and virtual card accounts to optimize working capital and enhance loyalty.
• Cost optimization efforts prioritize replacing cross-border payments with local methods, adopting account-to-account (A2A) payments, and direct integration with banks to reduce reliance on intermediaries.
• Risk management at scale involves addressing compliance obligations, counterparty risk, and operational complexity, particularly with increasing regulatory scrutiny like Europe's PSD3 framework.
• Platforms are seeking to embed smarter financial infrastructure, build new revenue streams, and leverage operational scale through innovation and standardized compliance with automated tools.
• Cross-border growth in Latin America highlights the need for localized payment methods and strategic advantages in delivering higher conversion rates, regulatory compliance, and faster settlement.

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