The corporate payment model in Spanish companies is moving towards increasingly automated, intelligent, and connected environments. This is stated in the report "Payments Review Report: Corporate Payments: Modernization, Control, and New Value Capture," presented this Thursday by Nuek, a firm specializing in payments belonging to Minsait, which is in turn part of Indra.
The document examines the evolution of the payment ecosystem between companies (B2B) in Spain and the changes that will shape this market in the coming years. In this new context, value is no longer focused solely on the execution of transactions but on the ability to integrate, orchestrate, and optimize financial flows within the daily operations of organizations.
The report was prepared with the input of executives and specialists from banking, "fintechs," international networks, large companies, and technology providers. This work is complemented by the analysis of sector documentation, market studies, specialized publications, national and international sources, and corporate reports.
Growing integration between technology and corporate finance
Among the entities and companies that participated are Mastercard, Visa, Iberpay, PayPal, Repsol, Iberia, Diners Club Spain, Ibercaja Banco, ID Finance, and Sipay, among others. "The 'Payments Review Report' arrives at a time of strong transformation in the financial ecosystem, marked by the acceleration of instant payments, pressure on operational efficiency, the emergence of new embedded models, and the growing integration between technology and corporate finance," explains Nuek.
One of the main conclusions is that corporate payment is ceasing to be a manual and isolated process to become integrated into business management systems and executed as a natural part of the operational flow. The study also emphasizes that modernization is no longer as limited by a lack of technology as by the difficulty of connecting financial capabilities in complex, fragmented, and legacy system-based environments.
The report also highlights that the value in B2B payments is shifting from mere transaction execution to more strategic areas, such as automation, connectivity, orchestration, and data-driven decision-making. Furthermore, the analysis points out that the ecosystem is heading towards a more distributed model, with multiple payment methods and a strong focus on operational intelligence, in which banks, "fintechs," and platforms will compete to integrate into companies' financial logic.
The work is organized into four main blocks that help understand the transformation of the payment model within companies: the evolution of corporate payment, the persistence of friction, the shift in value, and the configuration of a more distributed, automated, and decision-oriented ecosystem.