FINANCIAL SERVICES · DESTINATION 04

FOCUS.

Payments

Cross-border payments work can combine market access, regulation, tax, contracts, finance, people and operational delivery across more than one jurisdiction.

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HOW THIS BUSINESS OPERATES

Commercial model, regulatory perimeter and cross-border dependencies.

Specific operating realities that distinguish Payments from generic corporate entities.

REVENUE & CUSTOMER MODEL

Commercial Structure

Direct enterprise contracting, multi-currency pricing models, and structured cross-border settlements.

PERMISSION PERIMETER

Statutory Clearances

Specific statutory permissions, local market commercial registrations, and trade authorizations.

CRITICAL ASSETS

Value Drivers

Proprietary systems, registered brand trademarks, customer contracts, and balance sheet capital.

CROSS-BORDER FLOWS

Capital & Value

Cross-border dividend repatriations, intellectual property licensing royalties, and intercompany service charges.

RISK CONCENTRATION

Primary Exposures

Counterparty insolvency risks, regulatory perimeter changes, and foreign currency volatility.

FIRST LEADERSHIP DECISIONS

Determine Corporate Substance & Operating Presence

Avoids economic substance penalties and ensures local banking institutions approve operational accounts.

Required: Physical office requirements · Resident director mandates · Local operational expenditure minimums

Establish Cross-Border Contracting & IP Architecture

Ring-fences enterprise value and isolates operating liabilities to local operating subsidiaries.

Required: Master services agreement templates · Intercompany licensing agreements · Local mandatory consumer laws

Confirm Banking Rails & Foreign Exchange Capabilities

Prevents cash trapping and ensures seamless trade settlement and payroll execution.

Required: Central bank exchange controls · Correspondent banking channels · Withholding tax certificates

RELEVANT EXPERTISE

What commonly matters in this market and sector.

The order reflects the areas of expertise most closely associated with this business activity.

Repeated across this industry · Directly connected to this sector destination

Government & Regulatory Affairs

Regulatory strategy, approvals and engagement where business activity depends on government or sector-specific requirements.

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Repeated across this industry · Directly connected to this sector destination

Employment, Payroll & Mobility

Employment, payroll and mobility support for businesses hiring, moving or managing people across borders.

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Repeated across this industry · Directly connected to this sector destination

Commercial Intelligence & Market Research

Decision-focused market intelligence for businesses assessing a new country, sector, customer base or competitive environment.

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Repeated across this industry · Directly connected to this sector destination

Accounting, Reporting & Statutory Compliance

Accounting, reporting and statutory compliance needed to keep international operations accurate, current and locally compliant.

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Repeated across this industry

Audit & Assurance

Independent assurance across financial reporting, controls and other areas where cross-border stakeholders require confidence.

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Repeated across this industry

Finance & Treasury

Finance and treasury support for funding, liquidity, working capital and cash management across jurisdictions.

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Repeated across this industry

Banking & Capital Access

Banking and capital access for businesses that need accounts, debt, funding relationships or institutional capital in another market.

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BUSINESS MOMENTS

Decisions that commonly sit around Payments.

Add a second country

Capability overlap

↗02

Open another facility or office

Capability overlap

↗03

Scale international headcount

Capability overlap

↗04

Add a new product line overseas

Capability overlap

↗05

Expand through a strategic partner

Capability overlap

↗06

Reorganise the regional operating model

Capability overlap

↗07

Centralise selected group functions

Capability overlap

↗08

Prepare for a larger financing round

Capability overlap

↗

MARKET MATTERS

Payments changes from one jurisdiction to another.

Choose the market where the project, transaction or business activity will take place.

CHOOSE A MARKET

PEOPLE AROUND THE DESTINATION

Professionals whose profiles match this industry and the relevant expertise.

Chau Kim Hien

CEO

Ho Chi Minh City · Vietnam

Vina TPT Company Limited

Tax & International StructuringAccounting, Reporting & Statutory ComplianceLegal & Contracting

OPEN PROFILE →

Dr. Mohamed Fawzi Kurd

Chairman & Managing Partner

Tripoli

Libyan Consultancy Group (LGC)

Audit & AssuranceAccounting, Reporting & Statutory ComplianceTax & International Structuring

OPEN PROFILE →

Pablo Andres Guerra

Country Managing Partner

Quito · Ecuador

G&G Auditores Independientes & Lex Fiscal Corp

Audit & AssuranceAccounting, Reporting & Statutory ComplianceEmployment, Payroll & Mobility

OPEN PROFILE →

Sandeep Gupta

Managing Partner

New Delhi · India

SRGA Global

Tax & International StructuringAudit & AssuranceAccounting, Reporting & Statutory Compliance

OPEN PROFILE →

Yvonne Chow

Partner

Kowloon · Hong Kong

KTC Partners CPA Limited

Audit & AssuranceTransactions & DealsTax & International Structuring

OPEN PROFILE →

Abdul Bagha

Managing Partner

Nairobi · Kenya

Innovus Risk and Advisory LLP

Audit & AssuranceAccounting, Reporting & Statutory ComplianceTax & International Structuring

OPEN PROFILE →

Chris T.H. Heo

Partner

Edmonton · Canada

Faber LLP

Audit & AssuranceTax & International StructuringDisputes & Resolution

OPEN PROFILE →

Farheen Khandwalla

Tax and Business Process Outsourcing Partner

Mombasa · Kenya

Innovus Risk and Advisory LLP

Tax & International StructuringAccounting, Reporting & Statutory ComplianceAudit & Assurance

OPEN PROFILE →

Payments

Commercial model, regulatory perimeter and cross-border dependencies.

Commercial Structure

Statutory Clearances

Value Drivers

Capital & Value

Primary Exposures

Determine Corporate Substance & Operating Presence

Establish Cross-Border Contracting & IP Architecture

Confirm Banking Rails & Foreign Exchange Capabilities

What commonly matters in this market and sector.

Government & Regulatory Affairs

Employment, Payroll & Mobility

Commercial Intelligence & Market Research

Accounting, Reporting & Statutory Compliance

Audit & Assurance

Finance & Treasury

Banking & Capital Access

Decisions that commonly sit around Payments.

Add a second country

Open another facility or office

Scale international headcount

Add a new product line overseas

Expand through a strategic partner

Reorganise the regional operating model

Centralise selected group functions

Prepare for a larger financing round

Payments changes from one jurisdiction to another.

Move from sector detail to jurisdiction.

Argentina

Italy

United Arab Emirates

Kenya

Canada

Vietnam

Cameroon

Colombia

Hong Kong

Australia

Ecuador

Poland

Austria

Rwanda

Ireland

Switzerland

South Africa

India

Cyprus

Portugal

Professionals whose profiles match this industry and the relevant expertise.

Chau Kim Hien

Dr. Mohamed Fawzi Kurd

Pablo Andres Guerra

Sandeep Gupta

Yvonne Chow

Abdul Bagha

Chris T.H. Heo

Farheen Khandwalla

Continue into the markets, expertise, people and insight that may be relevant to what you are looking at now.

Start with what your business is trying to do.