Making cross-border payments work – across currencies and across time zones – is no easy task. Add to those challenges the impact of the coronavirus pandemic and complexity becomes exponential, even daunting. SmartStream’s Vincent Kilcoyne, EVP, and Roland Braendli, SVP of Payment Programs, told PYMNTS that there are expectations and deadlines to be met even as financial services, as an industry, is evolving at a head-snapping pace.