Client: Visa Europe
Format: Whitepaper
Size: 2.11 MB
Language: English
Date: 18.06.2026
The next step in global money movement starts here
Download Visa’s new white paper to understand how financial institutions can close the gap between domestic payment expectations and the realities of international payments.
The Nordics and Baltics are among the world’s most digital payment markets. Consumers and businesses are used to payments that are instant or near-instant, transparent, simple to complete, and mobile-first. This is no longer just a good experience. It is the baseline.
But cross-border payments can still feel fundamentally different. Once a transaction leaves the region, it can enter a world of multi-hop correspondent chains, inconsistent data formats, FX mark-ups, cut-off times, and repeated compliance checks. The result is unpredictable speed, opaque costs, broken data, and operational friction.
For banks, EMIs, payment providers, and platforms, this gap is quickly becoming more visible and more commercially significant.
Inside the white paper, you’ll find:
The Nordics and Baltics are among the world’s most digital payment markets. Consumers and businesses are used to payments that are instant or near-instant, transparent, simple to complete, and mobile-first. This is no longer just a good experience. It is the baseline.
But cross-border payments can still feel fundamentally different. Once a transaction leaves the region, it can enter a world of multi-hop correspondent chains, inconsistent data formats, FX mark-ups, cut-off times, and repeated compliance checks. The result is unpredictable speed, opaque costs, broken data, and operational friction.
For banks, EMIs, payment providers, and platforms, this gap is quickly becoming more visible and more commercially significant.
Inside the white paper, you’ll find:
- Why domestic digital payment experiences are reshaping expectations for business and cross-border payments.
- The four challenges holding cross-border payments back: unpredictable speed, high and opaque costs, data loss, and compliance friction.
- How these challenges affect customer experience, operational workload, margins, and competition from fintechs and emerging settlement models.
Key takeaways:
- An overview of why the Nordics and Baltics are ready to lead the next phase of cross-border payments.
- Practical insights into how modern payment infrastructure can support faster settlement, clearer tracking, and more predictable outcomes across borders.
- An introduction to how Visa Direct helps financial institutions connect to cards, accounts, and wallets through a modern global platform.
Get a clear, data-driven view of how your institution can prepare for the next generation of global money movement. Click below to download Visa’s white paper.
