As SAP cus­tomers mod­ern­ize finance oper­a­tions and accel­er­ate SAP S/4HANA migra­tions, pay­ments infra­struc­ture has emerged as a crit­i­cal focus area.

A recent sur­vey con­duct­ed by ASUG in col­lab­o­ra­tion with J.P. Mor­gan, cap­tures insights from 107 ASUG Mem­bers direct­ly involved in trea­sury and pay­ments oper­a­tions to under­stand how orga­ni­za­tions approach finance mod­ern­iza­tion. The find­ings point to clear momen­tum. Most orga­ni­za­tions report some lev­el of automa­tion in place and see clear val­ue in embed­ding finan­cial ser­vices direct­ly into SAP work­flows. At the same time, progress remains uneven. Man­u­al process­es, bank inte­gra­tion com­plex­i­ty, skills gaps, and secu­ri­ty con­cerns all con­strain how deeply automa­tion can be applied. These insights high­light a cen­tral chal­lenge fac­ing enter­pris­es today: while the val­ue of mod­ern pay­ments infra­struc­ture is well under­stood, deter­min­ing how to mod­ern­ize effec­tive­ly remains complex.