Lauren Murphy

Director of Sales @ MassPay. Driven by transformative leadership in Fintech, Payments & Banking.

[Lauren Murphy @lmurph_fintech]

Marketplace leaders often underestimate compliance.

Verification, tax requirements, onboarding, and payment controls rarely create growth.

But these very things.. often determine whether growth is sustainable.

[Lauren Murphy @lmurph_fintech]

Cross-border payouts are no longer optional.

Creators, affiliates, freelancers, and sellers increasingly operate globally.

If your platform growth strategy includes international expansion, your payout strategy should too.

[Lauren Murphy @lmurph_fintech]

84.7% of creators publish content more than once per week.

Content production has become a business process.

The most successful creators aren't simply posting. Just like this..

They're operating like media companies.

[Lauren Murphy @lmurph_fintech]

The quality of your vendors is becoming more and more important.Marketplace operators ranked attracting and retaining quality vendors among their biggest challenges.

Adding sellers is easy. Adding successful sellers is harder.

[Lauren Murphy @lmurph_fintech]

The cheapest payout provider often becomes the most expensive migration.

Pricing matters.

Scalability matters more.

[Lauren Murphy @lmurph_fintech]

Fast payouts are becoming a retention strategy.

Platforms spend heavily acquiring sellers and creators.

Delaying access to earnings creates friction immediately after acquisition.

Improving payout speed may have a larger retention impact than many feature releases.

[Lauren Murphy @lmurph_fintech]

Nearly 60% of creators now identify as entrepreneurs.

That changes how platforms should think about creator support.

The creator economy is increasingly made up of small businesses.

[Lauren Murphy @lmurph_fintech]

International expansion remains one of the top goals for marketplace operators.

Expansion sounds exciting. Operations usually determine whether it succeeds.

International growth is often an infrastructure challenge before it's a sales challenge.

[Lauren Murphy @lmurph_fintech]

A common mistake: selecting a payout provider based on current requirements. Most migrations for payments and payouts happen because companies outgrow providers, not because providers stop working. Support full global expansion on day 1.

[Lauren Murphy @lmurph_fintech]

One of the biggest hidden costs in a marketplace is payout support. The best payout systems reduce operational workload as much as they move money.

[Lauren Murphy @lmurph_fintech]

44.9% of creators prioritize stability and consistency over one-off opportunities.

This is an important shift...For years the conversation focused on creator growth. TRUST is becoming a competitive advantage.

[Lauren Murphy @lmurph_fintech]

33% of marketplace operators say profitability is their primary goal for 2026.

[Lauren Murphy @lmurph_fintech]

Most marketplaces track signups...

but few track time to first sale.

A seller isn't valuable because they completed registration.

A seller is valuable when they transact.

If you're only measuring registrations, you're missing the most important stage of the funnel....

[Lauren Murphy @lmurph_fintech]

Payment experience is becoming part of the product experience.

Visa found that 68% of sellers would be more likely to subscribe to premium marketplace services if real-time payouts were available.

[Lauren Murphy @lmurph_fintech]

51.5% of creators increased earnings in 2025.

The creator economy continues to mature.

Product sales and affiliate revenue now account for 21.2% of creator income.

[Lauren Murphy @lmurph_fintech]

Vendor onboarding is becoming a bigger challenge than customer acquisition.

In the Marketplace Trends Report, vendor onboarding complexity was identified as the #1 challenge for marketplace operators in 2026.

[Lauren Murphy @lmurph_fintech]

McKinsey describes a payments landscape that’s fragmenting into multiple rails, regional systems, and programmable money with digital wallets, A2A, and stablecoins growing fast.

It’s all about designing how money moves across your entire ecosystem for the next decade.

[Lauren Murphy @lmurph_fintech]

US creator ad spend is projected to hit $37B in 2025, growing 26% YoY and 4x faster than the total media industry. It’s nearly tripled from $13.9B in 2021.
If the money flowing into #creators is growing this fast, the money flowing out to them needs to keep up.

[Lauren Murphy @lmurph_fintech]

Everyone talks about D2C brands & influencers.
Quietly, B2B #marketplaces are eating the world.

But B2B payouts are harder:

- Multi-entity payments
- Different tax + invoice rules
- Larger ticket sizes and FX sensitivity

[Lauren Murphy @lmurph_fintech]

Cross-border is now mainstream behavior
DHL’s 2025 shopper trends show 59% of global shoppers buy from retailers outside their home country.While cross-border checkout improved, cross-border payouts often not.
Ur mrktplace can’t be “global on the way in, domestic on the way out.”