Payoneer

The Asia-Pacific’s e-commerce economy has expanded rapidly over the past decade, driven by rising digital adoption, increasingly borderless consumer demand, and the growing ability for SMBs to access customers beyond their domestic markets. In an exclusive sit-down with TNGlobal, our SVP of GTM APAC, Nagesh Devata, shares his perspective on the operational realities behind cross-border commerce growth, the evolving role of payments infrastructure, how AI is beginning to reshape financial operations, and more. ⁉️Q: Asia-Pacific’s e-commerce economy has scaled rapidly over the past decade. What are some of the less visible challenges emerging beneath that growth? A: A lot of the conversation around ecommerce growth has understandably focused on customer acquisition, digital storefronts, logistics, and marketplace expansion. But as businesses scale across multiple markets, operational complexity increasingly shifts towards the financial layer of commerce. What looks like a simple transaction to a consumer often involves multiple currencies, fragmented payment methods, varying settlement systems, compliance requirements, and cross-border treasury coordination behind the scenes. The challenge today is not only about generating demand, but about how efficiently businesses can convert, settle, and operationalize transactions across increasingly fragmented regional ecosystems. This is particularly true in Asia-Pacific, where many SMEs and digitally native businesses expand regionally very early in their growth journey. They are managing customers, suppliers, marketplaces, and teams across multiple countries simultaneously, often without the infrastructure resources that large enterprises have traditionally relied on. ⁉️Q: How is AI beginning to reshape the way cross-border financial infrastructure operates? A: AI is becoming increasingly important because cross-border commerce generates significant operational complexity and fragmented data flows. One major opportunity is visibility. Businesses today often manage multiple systems across payments, currencies, marketplaces, and geographies. AI can help consolidate and interpret that information more intelligently, enabling faster decision-making and reducing manual operational overhead. We are also seeing AI improve areas such as reconciliation, fraud detection, compliance workflows, intelligent payment routing, and customer support automation. At Payoneer, we are using AI tools internally to streamline workflows, improve operational efficiency, and work towards automating areas like onboarding and support. But more broadly, we believe AI’s long-term value lies in helping businesses navigate complexity more efficiently, particularly SMEs that do not have large finance or treasury teams. Over time, AI-enabled infrastructure has the potential to lower many of the traditional barriers associated with cross-border expansion. 🔗 Read more: https://paynr.co/4vNtBQ8

Kinexys by J.P. Morgan, the firm’s industry-leading blockchain business unit, has expanded the reach of its global Blockchain Deposit Account (BDA) network to include Australian Dollar (AUD), Hong Kong Dollar (HKD), Japanese Yen (JPY), Chinese Renminbi (RMB) and Singapore Dollar (SGD)-denominated accounts. Learn more about how we're leveraging AUD-denominated BDA, and what our Global Head of Treasury & Payment Services, Derek Green, had to say: https://paynr.co/3SBfNt7

Our leadership team recently sat down with key incorporation partners in Hong Kong: Get Started HK, ATHENASIA CONSULTING LTD, and Dezan Shira & Associates. 🇭🇰 Our shared goal was turning Hong Kong into a true launchpad for "born-global" SMBs. Here's what stood out: 🌍 HK businesses think global from day one Hong Kong-incorporated businesses rarely stay local, they go global from the start. Yet traditional banking still creates friction, with slow onboarding, delayed payouts, and barriers to scale. That's where Payoneer comes in. 🚀 Together, we're helping SMBs move faster Alongside our partners, we're enabling businesses to incorporate locally, activate globally from day one, and move money faster with transparency and control. 💬 In the words of Nagesh Devata, Regional SVP, GTM APAC: "Hong Kong and Singapore are vital hubs for APAC business owners. Through our strategic partnerships, we're enabling SMBs to operate faster, access multi-currency tools from day one, and scale across borders with confidence, cementing both markets as true launchpads for global growth." From conversations to concrete outcomes, accelerating global growth for SMBs. 🌱 Nagesh Devata Ian Dorrity Yannan ZHOU Galaxy Chiu

#BuiltAcrossBorders - a weekly look at how we’re building locally. 🇺🇸 Different markets. Same mission. Next up: Our Head of Workplace and Experiences, Sharon Perelman, on what’s top of mind right now. Follow along as we go market by market. Next stop: India, Gurgaon 🇮🇳

💨 As ASTA Advanced Technologies scaled, Manging Director Ismail Houmani needed tighter control over how the business got paid. 💪Before Payoneer, juggling multiple accounts and international transfers slowed operations. Today, ASTA handles all payments through one platform, improving speed and control. 🔗 Learn more: https://paynr.co/4xOedEr

What was your first big validation moment? Hear from Brij Purohit, Co-founder of SellerApp. For more insights, watch the full video: https://paynr.co/4f4lvwc

What motivates you to take action in your role every day? We asked this question to our people around the globe. Hear what Micheal S., Chief Compliance Officer, based in the USA has to say 🎥 Interested in joining our team? Learn more about a career at Payoneer: https://paynr.co/4oN03Py #LifeAtPayoneer

US vs Europe Employment Costs and Net Pay Compared: 2026 Study For US companies exploring European hiring for the first time, or European companies looking at American talent, one of the first planning questions is what the cost difference actually looks like. US employers expect higher statutory costs in Europe. European companies expect higher salaries in the US. Both are right, but the full picture is more interesting than either assumption on its own. We wanted to put real numbers behind the comparison. This study models the total employment cost and employee net pay for a Marketing Manager across 12 cities, six in the US and six in Europe, using two salary scenarios. The first applies a flat $75,000 gross salary everywhere, isolating the structural differences between each country’s system. The second uses median local market salaries, showing what companies actually pay and what that costs once statutory obligations are factored in. 🎯 How we modelled this We selected six US cities and six European cities that represent a range of salary levels, employer cost structures, and hiring demand. Each city was modelled at two salary levels. The first is a flat $75,000 gross salary applied everywhere, which strips out local market differences and allows comparison of each country’s contribution structure directly. The second uses the median local salary for a mid-level Marketing Manager in each city, sourced and cross-referenced across Glassdoor, government labour market data, and local job postings. Exchange rates used are €1 = $1.17 and £1 = $1.35 as of April 2026. All employer cost and net pay figures come from Payoneer Workforce Management’s internal employment cost data. Figures reflect mandatory statutory contributions only and do not include benefits, equity, bonuses, recruitment costs, or EOR fees. Actual costs will vary based on individual circumstances. 🔗 To explore a data-backed comparison of statutory employer costs, local salaries, and net pay across 12 leading cities, read our blog: https://paynr.co/4ewDdHe

That's a wrap on Cebu Business Month 2026! 🇵🇭 Payoneer was proud to join the forum, where the conversation centered on AI, digital transformation, and the future of business. Here are some takeaways: 🎓 AI literacy is no longer optional Policy makers and educators agreed that bridging skill gaps must start early, embedding digital and critical thinking into curriculums today. Young entrepreneurs also took the stage to pitch their startup ideas, a reminder that the next big disruption might just come from Cebu's next-gen founders. 🔐 Innovation and security go hand in hand AI is already reshaping the threat landscape, and business continuity now depends on proactive risk management as much as transformation. You can't separate innovation from security. Cyber resilience is part of the digital roadmap. 🚀 Disruption forces clarity Large enterprises shared how they are reviewing operations end-to-end and prioritizing agility, with innovation budgets shifting toward automation and cybersecurity. 🎤 Payoneer voice on the panel Our Senior Business Development Manager, Patrick Simeon, joined the discussion on "How Enterprises Are Navigating Disruption." The key insight: the future belongs to those who adapt fast, turn problems into opportunities, and build beyond borders. Thanks to everyone who stopped by our booth. Here's to a future-ready business community! 🌍 Danielle Vitriolo Jan Miguel Fernandez

We recently opened the doors to our newest office in Munich! 🇩🇪 Our team is taking us along for a walkthrough of the space they now call home. Who's craving pizza now? Say aye! 😀 #LifeAtPayoneer