Payments is evolving into an open ecosystem. Banks, payment firms, card firms, BigTechs, FinTechs, and other players are developing new technology to cash in on market changes. Governments are also implementing regulations to reduce ecosystem threats. These measures are expected to make the current ecosystem more secure and straightforward for players as well as customers. Top Trends in Payments 2020 explores and analyzes payments ecosystem initiatives and solutions for this year and beyond.