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U.S. international transactions have more than doubled in the past decade, with new trade rules, tariffs, and business opportunities emerging at every turn. At the core of those increasingly complex dealings is the need for companies to have the most efficient and streamlined payment processes possible. The 2012 Global Payments Study by The Institute of Financial Operations and US Bank assesses the marketplace of both the payment options and the obstacles faced by a diverse group ofmultinational companies.