The Singapore Tourism Board (STB) operates regional offices overseas, with each office managing its payment activities independently. The adoption of Virtual Bank Accounts (VA) allows for a streamlined process where regional offices can initiate local currency payments to overseas vendors, processed from Singapore through the implementation of cross-border ACH (Automated Clearing House) and outward telegraphic transfer payment capabilities. By consolidating outgoing payments from a single SGD bank account in Singapore, STB is able to execute payments efficiently across seven regions and 13 countries. The use of Virtual Accounts allows for easy identification of the origin and purpose of each payment. Leveraging host-to-host (H2H) connectivity, instructions for payment processing could be seamlessly transmitted, enhancing control and reducing processing times.