Follow the money journey
A booking may be collected in one currency, settled in another and later paid out to hotels, airlines, operators or platforms. The actual journey depends on channels, entities, agreements and schedules.
Without an integrated view, the cost and timing of each step can be difficult to attribute.
Connect collections, suppliers and FX
The analysis should include acquiring, local payment methods, currency conversion, spreads, settlement and repatriation. Supplier payment schedules also interact with fund arrival and treasury policy.
Understanding these relationships shows where an improvement in one flow could create a burden elsewhere.
Manage complexity market by market
Markets differ in payment preferences, regulation, infrastructure and cost. A shared model supports comparison, while local decisions respond to specific conditions.
The key is to set data and control standards that support consistency without ignoring each market’s reality.
Turn visibility into action
Teams can start by mapping entities, currencies, providers, flows and settlement dates. They can then prioritise friction affecting cost, fund availability or payment experience.
Regular reviews keep payments and treasury aligned as volume, market mix and provider networks change.
Every step has its own logic; efficiency comes from understanding the full journey.