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The nature of where we work has in recent years become an ever-present topic in mainstream discussions about business – and one which seems to polarise debate between champions of in-office work and advocates of more flexible working patterns.

Why do e-commerce merchants and marketplaces go into business? That’s easy: they see a big opportunity to meet a new market need or a way to dramatically improve the customer experience. But, it’s a sure bet that they never go into business for the love of managing international payments. Yet as soon as they grow beyond their home market, e-commerce companies end up with large payments teams dedicated to managing payments, which should be no more than a back-office function.