Real-time payments are growing quickly, but adoption lags due to cost, risk, and entrenched behaviors. Providers must focus on high-friction use cases and cash-flow benefits as competition from alternative rails intensifies.

Card payments still anchor commerce despite new digital and economic disruptions. As roles blur across the ecosystem, players are racing to capture more value while defending core revenue streams.

While BNPL losses remain low, consumers may be overextending themselves, making it harder for consumers to pay off their growing credit card balances

The added perks will likely appeal to Gen Zers and help meet their credit card reward demands

The company faces higher losses from the BaaS crackdown and changing dynamics with its fintech partners

As these solutions gain traction, the line between debit and credit is blurring.

Many of the pandemic-era rewards used to entice credit card spending could prove costly for issuers this year.

Consumer device and behavior trends are affecting payment providers’ strategies across retail, P2P, B2B, disbursement, and cross-border channels. Here’s what that means for the payments ecosystem.

Payments Ecosystem: This year will reveal how providers must adapt to lasting pandemic-driven digitization across payments channels, ranging from in-store retail to B2B ecommerce.

Digitization is disrupting the B2B payments space, the largest addressable payments market. As the industry evolves, there will be a substantial opportunity for payment providers to meet changing preferences and capture market share.

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This report series explores how companies are building a data-driven, 360-degree customer view to support relevant customer experiences across every touchpoint.