Join the Community

24,160
Expert opinions
40,721
Total members
346
New members (last 30 days)
203
New opinions (last 30 days)
29,298
Total comments

Payments strategies 2015-2020-2030

Payments systems visions, strategies, trends, pilots, forecasting, and planning for the short-, medium-, and far-term.

Christoffer Hernæs

Christoffer Hernæs Chief Technology Officer at Stø

What Happens to Card Schemes in a World Dominated by Account-to-Account Payments?

Account-to-account (A2A) payments powered by instant payment infrastructures and open banking APIs are set to gain strength globally. As these systems rise, many are asking: what becomes of traditional card schemes if/when A2A becomes the default method of digital payment? Card schemes hinge on global network reach, consumer protections, and inter...

/payments

Konstantin Dubovitskiy

Konstantin Dubovitskiy Sr. Account Executive at Checkbook.io

Account Funding Transactions - instant debit pulls are here.

What is AFT? According to Visa’s official documentation, Account Funding Transactions (AFTs) is a transaction type used to withdraw funds from a Visa or Mastercard account for the purpose of funding another account. In simple words - it is an inverse of OCT (Original Credit Transfer). In simpler terms, it means that any user can input their deb

/payments /retail

Jamel Derdour

Jamel Derdour CMO at Transact365 - www.transact365.io

The Expanding Range of Digital Payments in North Africa

North Africa’s payments landscape is changing fast. What was a region long defined by cash, big informal economies and limited card reach is now seeing a proliferation of digital payment rails — from instant bank transfers and mobile wallets to tokenized cards, contactless acceptance and merchant-focused point-of-sale solutions. That shift is bein...

/payments /markets

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

UPI’s Free Ride: A Masterstroke - But Can It Last?

Already 2 years ago, I explored in my blog "The UPI Phenomenon: From Zero to 10 Billion" (https://bankloch.blogspot.com/2023/09/the-upi-phenomenon-from-zero-to-10.html) how India’s Unified Payments Interface (UPI) reshaped the digital payments landscape. UPI has grown into one of the world’s largest digital payment systems, processing o

/payments /retail

Leon Du Plessis

Leon Du Plessis Key Account Manager at The ai Corporation

How to meet the compliance challenges of open-loop fleet card programmes

The fleet and fuel card industry stands at a crossroads. For decades, the ecosystem relied on closed-loop solutions, accepting cards only at specific, pre-approved merchant locations. This model has been stable and predictable, but a new era of technology, driven by consumer expectations and evolving regulations, demands a shift. The industry is n...

/payments /identity

Nauman Hassan

Nauman Hassan Director at Paymentology

Why SAMA’s Google Pay and Alipay Announcement Is a Smart Move for Saudi Fintech

Last week at Money20/20 Middle East in Riyadh, Saudi Arabia’s central bank (SAMA) unveiled two headline announcements that could reshape the payments landscape: Google Pay will soon roll out across the Kingdom, integrated with the national mada network. Alipay+ acceptance will arrive by 2026, enabling international visitors to p

/payments /inclusion

Philip Harding

Philip Harding Commercial Director at Cashflows

The Future of Embedded Payments: Why Licensing-as-a-Service is the Next Strategic Lever

As software platforms evolve into central hubs for commerce, the relationship between payments and the digital experiences they enable is undergoing a profound transformation. No longer an afterthought, payments are becoming a core feature of software itself, seamlessly embedded, deeply integrated, and increasingly owned by the platforms that use ...

/payments /predictions

David King

David King CTO at Flywire

4 Hidden Costs of Fragmented Payments

Why a unified payment platform with vertical-specific software matters In today's global economy, businesses are constantly seeking new ways to streamline operations, cut costs, and enhance their customer experience. But for many large organizations, a key area of inefficiency remains hidden in plain sight – their payments infrastructure. Many org...

/payments

Tatiana Sokolova

Tatiana Sokolova Chief Marketing Officer at Spayz.io

Why smart automation will shape the next wave of payments innovations

The rapid evolution of the payments sector is being driven by the integration of new technologies into existing infrastructure. This has enabled legacy systems to overcome traditional barriers to cross-border transactions, unlocking significant growth in payment volumes. Key verticals such as iGaming, Forex, and e-commerce have seen particularly s...

/payments

Jamel Derdour

Jamel Derdour CMO at Transact365 - www.transact365.io

Financial Inclusion Through Innovation: Scaling Digital Payments in India

India’s shift toward becoming a global leader in digital payments continues at a rapid pace. UPI, mobile wallets, and fintech platforms have scaled impressively: UPI recorded 18.67 billion transactions worth ₹25.14 trillion in May 2025, averaging 602 million transactions daily. (The Times of India) For FY24–25, UPI handled approximately 186 billio...

/payments /markets

Now Hiring