A new paper from Harvard Business School shows that there's a good chance for banks to win back cross-border volume in SMEs – if they adjust the right parts of the process.

The photo payment feature is now one of the most widely used functions in modern banking apps. A single photo of the invoice is enough, and the bank transfer is almost complete. But real progress begins where technology does more than just recognize data — where it helps users make better decisions at the right moment. This is exactly where the next evolution of the photo payment feature begins.