Cash, card, mobile - Trends in payments
summary
Overview of concrete trends: conversion from cash to noncash, more than 50 real-time systems worldwide, and rising mobile wallets like Apple Pay and Google Pay alongside buy‑now‑pay‑later. Payments generate a roughly $1.5 trillion revenue pool (2019) with ~7% historical growth and an expected 4–5% pa outlook; ~20% of ~$300B fintech funding flows into payments. Transaction data powers personalization (Starbucks in‑app) and credit automation. ISO 20022, CBDC exploration, active M&A and high capital‑market returns reshape incumbents and fintechs.
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