PAYMENTS MATURITY GUIDE 2026

What kind of wave
rider are you?

Payments are a rapidly evolving global financial trend.
Find out where your organization stands and what it
takes to reach best-in-class.

Download the guide

The wave is here.

0%
of financial leaders experienced financial impact from inadequate risk visibility
0%
growth in average payment volume per Kyriba customer since 2019
0%
of finance leaders say a payment infrastructure disruption would directly damage performance

THE FRAMEWORK

Meet the three types of wave riders.

Based on Kyriba's Business Value Advisory work with customers globally, payments maturity falls into three distinct profiles: each with its own risks, ROI potential, and path forward.

REACTIVE

The Swimmer

Coping with waves, spreadsheets, and manual workflows. While your payments are moving, something has already gone wrong.

STRUCTURED

The Surfer

Payment workflows are standardized, but some systems remain siloed. You have control, but still rely on manual effort across teams.

BEST-IN-CLASS

The Big Wave Rider

Payments are a strategic function. You leverage agility and control to navigate complexity, with the right tools built to handle disruption.

SELF-ASSESSMENT

Answer five questions to find your archetype.

A built-in diagnostic sits inside the guide. Preview the questions here, then download the guide for the full scoring model and self-evaluation.

When an urgent payment fails, how do you typically find out?
How do you track payment status across banking partners in real time?
When you need to add a new bank or payment format, what does onboarding look like?
How does your organization prevent fraudulent payments in your current workflow?
How do you manage FX exposure and currency risk across payment flows?