Focusing on perfecting the product, competing for new markets, or spending millions on marketing is all known to be necessary. But in the meantime companies might be paying unnecessary banking fees and facing shocking operational risks, without even knowing it! 

Planning for banking and payments are often overlooked – and this can be a very costly mistake. We all use payments in our everyday lives. But the details of how that money moves, or how different payments actually work are completely unknown to most of us. Knowledge is power - if we understand the reasons and mechanisms of banking, we can assess risks and evaluate costs better, by making informed decisions.You would be surprised how easy, yet how effective this can be!

Every company has a CFO, a CTO, and a COO - yet one of the most critical roles is still missing. Payments and banking touch every part of a business, from customer experience to risk management, yet no one is truly responsible for it at the executive level.

This is where the Chief Payment Officer (CPayO) comes in. The role doesn’t officially exist, but it should. Without it, companies are exposed to hidden costs, blocked growth, and operational vulnerabilities that executives rarely see until it’s too late.

The CPayO book reveals why this role is essential, what it covers, and how companies can transform their entire organisation by treating payments and banking as a core function of strategy, not just an afterthought in finance. Recognising the need for a CPayO is the first step toward building stronger, safer, and more profitable businesses.