The scoreboard, honestly: the hard targets, how often each one is actually looked at,
and the quiet human signals that never make it onto a dashboard.
Total Cost of Acceptance (TCOA)
The overall cost of processing all payments, including interchange, scheme fees, processor fees, fraud losses, and operational overhead, expressed as a percentage of Total Processing Volume (TPV).
Target · Reduce TCOA by 5-10 basis points (0.05% - 0.10%) year-on-year.If our TPV is £1BN, a 5bps reduction means £500,000 in direct savings. You'd present a Q4 report showing TCOA at 0.85% vs. 0.90% in Q4 last year, directly attributing the saving to strategic vendor renegotiations and interchange optimisation.
Enterprise Fraud Loss Rate
The total value of confirmed fraud losses (after chargebacks) as a percentage of Total Processing Volume (TPV) across all channels and geographies.
Target · Maintain fraud losses below 0.08% of TPV, even with aggressive growth in high-risk markets.You'd present to the Risk Committee, showing TPV increased by 20% in Q2, but fraud losses remained at 0.07%, demonstrating the effectiveness of your fraud prevention strategy despite increased exposure.
Cash Conversion Cycle (CCC) Optimisation
The time it takes for the company to convert its investments in inventory and accounts receivable into cash, with a focus on optimising payment settlement and payout processes.
Target · Reduce CCC by 5-7 days annually through strategic treasury and payments initiatives.You'd show how implementing faster payment rails in key markets and optimising our treasury management system has shaved 6 days off our CCC, freeing up £10M in working capital that quarter.
Strategic Vendor Negotiation Savings
The direct financial savings achieved through renegotiating contracts with payment processors, banking partners, and fraud prevention vendors.
Target · Secure >£2M in annualised savings from strategic vendor contracts.After a comprehensive review and competitive tender, you'd finalise a new multi-year contract with our primary payment gateway, demonstrating a projected saving of £2.5M over the next 12 months compared to the previous agreement.
Revenue Uplift from Payment Optimisation
Quantifiable incremental revenue generated by improving authorisation rates, reducing false positives, and introducing new, relevant alternative payment methods (APMs).
Target · Attribute >£5M in incremental annual revenue directly to payment strategy initiatives.You'd report to the Board that by rolling out three new local APMs in Southeast Asia and tuning fraud rules, we saw a 3% increase in conversion in those markets, translating to £6.2M in additional revenue this year.
Board & Investor Confidence
The level of trust and confidence the Board and external investors have in our financial risk management, treasury operations, and payment strategy.
- Regularly invited to present to the Board on financial stability and strategic initiatives
- positive feedback from investor calls regarding our financial controls
- proactive engagement from board members on treasury and payment matters
- no unexpected audit findings related to payments or treasury.
Regulatory Compliance & Risk Posture
Our ability to consistently meet global regulatory requirements and maintain a robust, proactive stance against financial crime and operational risks within payments and treasury.
- Zero material findings in regulatory audits related to payments, AML, or KYC
- successful implementation of new regulatory frameworks (e.g., PSD3 readiness)
- positive internal audit reports
- proactive identification and mitigation of emerging financial risks
- clear, well-communicated policies and procedures across the organisation.
Strategic Partnership Effectiveness
The strength and productivity of our relationships with key banking partners, payment networks, and FinTech innovators, ensuring we have access to the best solutions and market intelligence.
- Regular, high-level strategic review meetings with key partners leading to joint innovation projects
- favourable commercial terms and service level agreements
- early access to new payment technologies and regulatory insights
- partners view us as a 'client of choice' for collaboration
- successful co-development of new payment solutions.
Organisational Talent & Succession Planning
The effectiveness of building and nurturing a world-class team within Treasury and Payments, ensuring strong leadership, deep expertise, and clear succession pathways.
- High retention rate for critical talent within your function
- successful internal promotions to leadership roles
- strong external reputation for attracting top payments and treasury professionals
- robust talent development programmes in place
- clear succession plans for key roles presented to HR and the CEO.