For a vast majority of finance teams, their payment stack is something that gets assembled piece by piece over time (say a provider for domestic transfers here, another for cross-border payouts there, a third for FX). And while all of this is fine, by the time the cracks become visible, the operational cost of holding everything together becomes extremely inflated. In this regard, PwC researchers found that finance teams today spend roughly 30% of their time on manual reconciliation, a figure that can alone give most CFOs a moment for pause.