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Created in collaboration with Juniper Research, this report explores how fragmented payments, business accounts, and financial systems are holding businesses back, and how unified infrastructure can unlock greater visibility, control and growth.
What you'll learn
Why financial fragmentation is now a growth problem
Understand how disconnected payments, banking and finance systems create operational lags, limit visibility and make it harder for businesses to scale.
The headlines
Financial fragmentation is no longer just a back-office problem. As businesses expand across markets, currencies, entities and payment methods, disconnected systems are creating hidden costs, slowing operations and limiting growth.
This report reveals where fragmentation is hurting businesses most, and how a unified financial operating model can help teams move faster, improve visibility and take back control.
Download€732,000
annual cost for large corporates
Fragmented month-end processes could cost large corporates up to €732,000 per year, based on a heavily manual reconciliation environment.
38%
global ecommerce expected to be cross-border in 2025
As growth moves across borders, disconnected financial systems make it harder to move quickly, locally and profitably.
10 days%
reduced to two for month-end reconciliation
A unified financial operating model can help finance teams close faster, reduce manual work and refocus on growth.
Financial fragmentation is no longer just an operational inconvenience. It is becoming a direct constraint on growth. The businesses that solve this will not just run more efficiently, they will compete more effectively.
Breno Oliveira
Chief Product Officer,
payabl.
What's inside?
A practical look at how financial fragmentation affects growing businesses, from daily operational pain points to the bigger strategic barriers that slow expansion.
The report breaks down what is driving complexity, where the hidden costs sit, and how unified financial infrastructure can help businesses build a faster, more connected operating model.
Convert more sales with payabl.
Local methods that drive growth
Choose from over 300 local and global payment methods to generate revenue and business growth.
Fast payments, faster integration
Go live with your chosen payment methods quickly with API and hosted payment page integration.
Global expansion within reach
Expand locally or globally with a carefully curated payments stack that works for your business.
Get the full report
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