Summary
The world of payments is increasingly complex; billions of customers pay millions of firms using hundreds of payment methods. Against this backdrop, regulators will struggle to contain risk, and firms will struggle to meet the changing needs of consumers. Something has to give. For consumers, payments will become less visible and, for merchants and businesses, more valuable. In the next decade, the focus will shift from consumers toward businesses, embedding payment technology (not payments) and mitigating complexity. Learn how encapsulation, orchestration, and aggregation grow in importance as programmable payments mature.
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