Payments 4.X is here – buckle up for the post-pandemic transitions of the Payments landscape

The report explores Payments 4.X − an evolutionary, COVID-19-sparked era that’s witnessing even more industry consolidation and attracting tech-expert ecosystem players. As part of this phase, expect Payments to become an enabling function that is embedded and sustainable to provide an immersive, seamless, and frictionless customer eXperience. New-age players already exemplify Payments 4.X competencies, while traditional banks seek to maintain positioning by bolstering API maturity, data analytics strength, and processing efficiency.

Operational and economic headwinds complicate the situation

Fluctuating economic conditions affect consumers’ spending capacity, while corporations and SMBs grapple with working capital and collections-related issues. As digital adoption revs up, increased volumes and instant processing requirements are stretching the legacy payments infrastructure. In addition, post-pandemic concerns about “risk on all fronts” – liquidity, credit, non-compliance, and cybersecurity – aggravate the situation.


Mix of external, operational, and technological factors concern payments executives



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