How Data Granularity and Portfolio Transparency Eradicate Value Friction in Modern Networks

Relying on simple transactional fee spreads is no longer sufficient for financial institutions looking to protect their margins in a highly competitive market. In this opening segment from the FF News Virtual Arena, host Ian Horne sits down with product, technology, and data executives from PAYABL, Torus, and Raiffeisen Bank International to break down the shifting rules of payment economics. The panel explores the critical importance of unit-level margin tracking, detailing how un-aggregated visibility at the merchant, terminal, and product level allows card issuers and acquirers to isolate hidden processing costs. The speakers examine the concept of Total Cost of Ownership (TCO), explaining how authorization rates, settlement timeframes, and chargeback management impact a payment program's bottom line. Finally, the discussion addresses how banks can turn raw transaction data into a long-term revenue asset by building downstream advanced analytics—such as intelligent money managers—and delivering compliant, aggregated market insights that help enterprise merchants scale their businesses. Read the full article here: https://ffnews.com/fintech-tv/redefining-payment-economics-from-single-transaction-spreads-to-holistic-portfolio-profitability/