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thunes.com · newsletter
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Interoperability Index 2026
Thunes and Juniper Research have launched the Thunes Cross-Border Payments Interoperability Index, a first-of-its-kind global benchmark quantifying the ease of cross-border transactions across 50 countries.
This is the most comprehensive independent study of cross-border payments friction published to date, combining a global survey of 6,763 consumers in 10 key markets with a weighted index across national economic health, digital infrastructure, financial inclusion, cross-border connectivity, and market dynamics.
The Index reveals global payments systems lack interoperability, representing a
two-speed dilemma where effective domestic payments encounter significant cross-border friction, even in the world's leading financial markets.
Key findings include:
A widening gap between consumers' experience locally and what they experience internationally
Parallel financial ecosystems are developing in isolation, capping economic growth and trapping liquidity
27% of all international payment recipients wait two or more days to receive funds, in a world where domestic transfers settle in seconds
Senders put speed overwhelmingly over cost
Nearly half of global users choose a mobile wallet or payment app to initiate international money transfers, bypassing legacy bank apps
23% of global gig workers embrace stablecoins for immediate settlement.
Download the full report to understand the massive commercial advantage awaiting organisations capable of bridging traditional rails and emerging digital layers.
Download the report
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