ALL INSIGHTS

Report

Mobile money in emerging markets: The business case for financial inclusion

– Meeting the mobile money needs of the unbanked in emerging markets is a vast opportunity. To succeed, providers need a clear view... on what drives mobile money economics, and an innovative mind-set.
Article

PSD2: Taking advantage of open-banking disruption

– Europe’s second Payment Services Directive opens attractive opportunities for established payments organizations. But to... win, banks will need to capture this disruption and turn it to their advantage.
Report

How value creation is reshaping the payments industry

– The current wave of consolidation in payments is part of a long period of value creation. Over the past 15 years, ownership of... core payments processing assets has become more diverse, spanning banks, regional processors, and global organizations. We expect the trend of value creation to continue as profits rise further on the basis of strong growth, the adoption of new technology, and increased efficiency.
Report

Global payments 2017: Amid rapid change, an upward trajectory

– The global payments industry continues to deliver healthy growth, with underlying fundamentals such as transaction volumes and... account balances demonstrating even greater strength. This rosy scenario also lays the groundwork for significant disruption likely to alter the dynamics between financial institutions and fintechs.
Article

Monetizing data: A new source of value in payments

– Payments providers are already adept at generating customer insights from data. Now, leading firms are using advanced analytics... to monetize the data itself.
Article

Data sharing and open banking

– The potential benefits of open banking include improved customer experience, new revenue streams, and a sustainable service model... for underserved markets.
Article

Mobile financial services in Africa: Winning the battle for the customer

– To compete in Africa’s diverse mobile money markets, banks must offer distinctive mobile and digital services not only in... payments and deposits, but across the spectrum of financial services.
Report

Financial ecosystems: The next horizon for US banks

– Banking ecosystems may represent the next frontier of banking innovation and a long-sought growth engine for banking profit pools.
Report

Payments: On the crest of the fintech wave

– Multiple forces, including technology and demographics, are dramatically reshaping the payments value chain, and opening the industry... to potential disruption from fintechs. Incumbents have a number of strong options for addressing this disruption. Those that think deeply about how the industry is evolving and take early action will fare best.

Report

A brave new world for global banking

– Our annual global banking review finds that a weak global economy, digitization, and regulation threaten the industry’s near-term... profitability.