Thunes
About Thunes
Thunes is a global fintech that provides cross border payments and digital remittance infrastructure, enabling businesses and consumers to move money internationally with embedded payment rails and API based integrations.
Trend Decomposition
Trigger: Growth in digital commerce and need for efficient cross border payments accelerated by globalization and e commerce.
Behavior change: Businesses increasingly integrate API based payment rails to automate international payouts and collections; individuals use digital wallets and remittance services for faster transfers.
Enabler: Advancements in API first fintech infrastructure, real time settlement capabilities, and broader access to global banking rails.
Constraint removed: Fragmented cross border payments workflows simplified through unified settlement engines and partner networks.
PESTLE Analysis
Political: Regulation of cross border payments and anti money laundering controls shape interoperability and licensing requirements.
Economic: Lower remittance costs and faster settlement create cost efficiencies for SMBs and gig workers relying on international payments.
Social: Growing global workforce and diaspora needs drive demand for accessible, affordable cross border transfers.
Technological: API based fintech platforms, blockchain enabled discoveries, and cloud infrastructure enable scalable global payments networks.
Legal: Compliance frameworks and data privacy laws govern cross border data flows and Know Your Customer processes.
Environmental: Digital payments reduce the need for physical banking infrastructure and travel related emissions associated with traditional remittance channels.
Jobs to be done framework
What problem does this trend help solve?
Cross border payments are costly, slow, and complex for businesses and individuals.What workaround existed before?
Using multiple banks, correspondent networks, and manual reconciliation; sending via traditional money transfer operators with high fees.What outcome matters most?
Speed, cost, and reliability of international transfers.Consumer Trend canvas
Basic Need: Efficient global money movement.
Drivers of Change: E commerce growth, gig economy, cloud based financial services, and demand for embedded fintech solutions.
Emerging Consumer Needs: Transparent pricing, real time settlement, and seamless integration into platforms.
New Consumer Expectations: Instant, traceable, low cost cross border payments with developer friendly APIs.
Inspirations / Signals: Partnerships between fintechs and banks, momentum in embedded finance ecosystems.
Innovations Emerging: API enabled rails, real time FX, liquidity pooling, and scalable payout networks.
Companies to watch
- Thunes - Thunes provides cross border payments infrastructure and embedded finance capabilities.
- Wise - Wise offers international money transfers and borderless accounts with API integrations for developers.
- Payoneer - Payoneer enables cross border payments and global payout solutions for marketplaces and freelancers.
- Remitly - Remitly specializes in digital remittances, providing fast and affordable cross border transfers.
- Wise Business Solutions - Wise Business extends cross border payment capabilities to enterprises with API access.
- Airwallex - Airwallex provides global payments and treasury services for businesses with embedded finance.
- DLocal - DLocal enables cross border payments and local billing in emerging markets for global merchants.
- Checkout.com - Checkout.com offers payment processing and global payout capabilities with developer focused APIs.
- Paypal for Doctors - PayPal provides broad international payment capabilities and payout options for platforms and businesses.
- Western Union - Western Union offers cross border transfers and digital remittance services globally.