unpacks the current digital payments ecosystem, and explores how changes will impact the industry in both the short- and long-term. The report traces the path of an in-store card payment from processing to settlement to clarify the role of key stakeholders and assess how the landscape has shifted.
The channels and front-end methods that consumers use to make payments are evolving. Mobile in-store payments are huge in developing markets, but approaching an inflection point in developed regions where adoption has been laggy. And the ubiquity of mobile P2P services like Venmo and Square Cash will propel digital P2P to $574 billion by 2023.
Fees, bans, steering, or regulation could impact the way consumers pay, pushing them toward emerging methods that bypass card rails, and limit key revenue sources that providers use to fund rewards and marketing initiatives.
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German payments-company Wirecard is suing the Financial Times for its coverageWirecard has been the focus of a series of articles in the Financial Times in which the company alleges it used and misrepresented its business secrets.
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