Banks and financial institutions are losing revenue to challengers who built better international payments services. Cymonz gives you the infrastructure to go beyond competing — enabling you to lead on international payments, retain customers and grow revenue without replacing your core system or disrupting what's already working.
The challenge
Every year that your international payments lag behind fintech challengers, the gap in customer experience — and customer retention — widens.
In Australia, Wise and Revolut have collectively acquired over 1.6 million customers since 2016 — almost entirely at the expense of incumbent banks. The pattern is repeating across every market.
Manual, paper-based back-office processes inflate costs and slow processing. Modernising without disrupting core operations is technically complex and expensive without the right partner.
Building and maintaining a proprietary payments engine requires significant capital, specialist talent, and ongoing engineering — diverting focus and budget from your core business.
Meeting AML, KYC, sanctions screening and local regulatory requirements across multiple jurisdictions — without specialist tooling — creates serious operational and reputational risk.
Cross-border payments isn't their core strength, so we carry the risk. We're forced to use certain partners. That's not best for us or our customers.
Common frustration from banks evaluating incumbent solutions
The solution
A payments engine that fits alongside your existing infrastructure — not instead of it. You retain control, keep your partners, and deliver the experience your customers expect.
Spot, forward and limit orders. Multi-currency account management. Self-service via web, iOS, Android and WhatsApp — available 24/7, branded to you.
RESTful API connectors and core banking SSO integration. No rip-and-replace. Cymonz sits alongside your existing infrastructure and preferred payment partners.
Real-time KYC, AML monitoring, PEP and sanctions screening. Tamper-evident audit trails. Configurable compliance workflows per jurisdiction.
Straight-through processing, automated reconciliation, configurable reporting and accounting exports. Reduce manual handling and the operational risk that comes with it.
Multilingual, configurable branding. The customer journey — design, experience, communications — carries your name, not ours.
Standard deployment with your branding and preferred partners — operational fast.
Deep core banking integration, custom workflows and full back-office automation.
For every stakeholder
Cymonz is designed to support every team involved in evaluating, approving and running international payments — from the sales floor to the board.
We give you the market intelligence, competitive framing and proof points to build the internal case — and the tools to keep customers who are at risk of leaving.
Clear competitive positioningCymonz co-designs integration to fit your current stack. You retain ownership of the product roadmap. We handle cross-border — you focus on what only you can build.
Co-design and role clarityFull compliance pack, RACI, SLAs, data flow diagrams, BCP documentation and privacy statements — everything your procurement and legal teams need to approve with confidence.
Full assurance documentationWe help you articulate the commercial case: cost of delay, revenue at risk, reputational exposure, and the growth trajectory once international payments is fixed.
Business case and ROI framingSOC 2 Type 2 attested. Jurisdiction-specific compliance configuration. Segregation of duties enforced at the platform level.
See exactly how Cymonz fits your environment — and what becomes possible for your customers when you do.