10-Q, Member Exclusive

Exploring Payoneer’s approach to reaching SMBs in emerging markets

  • John Caplan, CEO of Payoneer, delves into the hurdles of cross-border payments for SMBs, the dynamics between new and established money transfer firms, and Payoneer's strategy for penetrating emerging markets.
  • One year into his role as CEO of Payoneer, John is focused on scaling the cross-border payments platform to expand into emerging markets.
close

Email a Friend

Exploring Payoneer’s approach to reaching SMBs in emerging markets

    CEO John Caplan on the firm’s direction 3 years after its SPAC listing.

    by SARA KHAIRI

    As the global economy evolves into a borderless, digital landscape, small and medium-sized businesses [SMBs] are trying to keep pace and expand their reach on a global scale. Research shows that 72% of these SMBs view cross-border expansion as essential for growing their customer base and revenues.

    While embracing digital e-commerce platforms offers a pathway for SMBs to transcend geographical limitations and expand their businesses, tapping into these global networks to access broader markets presents significant challenges, particularly in terms of cross-border payments.

    In my recent discussion with John Caplan, CEO of Payoneer, we delved into the hurdles of cross-border payments for SMBs, the dynamics between new and established money transfer firms, and Payoneer’s strategy for penetrating emerging markets.

    John, now one year into his role as CEO of Payoneer, comes from a background in global e-commerce, having most recently served as president of Alibaba North America & Europe. At Payoneer, he is focused on scaling the cross-border payments platform to expand into emerging markets.

    What obstacles do e-commerce businesses face with cross-border payments, and how do you plan to expand Payoneer’s reach into emerging markets?

    John Caplan: If you’re an entrepreneur or operating a small consumer or service business in an emerging market like…


    subscription wall for TS Pro

    0 comments on “Exploring Payoneer’s approach to reaching SMBs in emerging markets”

    10-Q, Member Exclusive

    Q4 2025 in Consumer Finance: Fintechs move from user counts to dollars per engaged customer

    • Block’s Q4 2025 earnings drew attention as much for the story behind the numbers as for the numbers themselves. Chime’s Q4 2025 results emphasized growth, credit expansion, and ecosystem depth.
    • Block’s structural shift and Chime’s measured ecosystem expansion raise broader industry questions that go beyond individual company performance.
    Sara Khairi | March 09, 2026
    BNPL, Member Exclusive, Who owns the customer

    Affirm’s full-stack ambition is bigger than consumer finance alone

    • Affirm began 2026 on the front foot.
    • The recent moves by the BNPL firm point to an overarching strategy: expanding from consumer checkouts into B2B distribution and institutional control.
    Sara Khairi | March 05, 2026
    10-Q, Member Exclusive

    Coinbase rides the waves of stress and opportunity with its ‘Everything Exchange’ vision

    • 'Everything Exchange' reflects Coinbase’s ambition to be a one-stop financial platform.
    • Outgrowing its crypto exchange roots brings Coinbase fresh regulatory, competitive, and market challenges.
    Sara Khairi | March 02, 2026
    BNPL, Creating win-win partnerships, Embedded Finance, Member Exclusive, SMB Finance

    How embedded BNPL optimizes cash flow for SMBs: Inside the Intuit-Affirm partnership

    • The Intuit-Affirm partnership embeds BNPL directly in QuickBooks invoices, transforming accounting into a real-time decision layer.
    • In the new fintech partnership model, platforms manage workflows and customers while specialists handle the decision layer to drive scalable results.
    Sara Khairi | February 26, 2026
    10-Q, Member Exclusive

    Banking: AI, automation, and the rise of digital-first scale

    • From AI agents at Goldman to automation at Truist and lean growth at Nubank, the contours of a modern banking model are emerging.
    • Banks are rethinking human-machine cooperative roles and new ways to scale.
    Sara Khairi | February 23, 2026
    More Articles