Navigating Digital Payments

A visionary report setting out how the worlds of retail, banking, payments and beyond will be transformed over the next 10 years.

Download the full report

In the second edition of our Navigating Digital Payments report, we deliver a vision of how the worlds of retail, banking and payments will be transformed over the next 10 years.

We do this by addressing nine critical questions that are now facing the world of payments. Four relate to the foundations of trust that must underpin all payments. They cover financial inclusion, resilience, digital identity and the digitisation of assets. Five relate to the more directly visible changes which will be evident to merchants and consumers. They cover alternative commerce models, the needs of small merchants, the metaverse, generative AI and open payment ecosystems.

We have focused on these trends because we believe they will be particularly significant, especially in the light of the current political and economic uncertainty.

They are also the trends that we believe you need to be aware of now, so that you can assess their implications for your business, and plan the necessary actions to take full advantage of the opportunities they offer.

We hope that you will enjoy reading this second edition of Navigating Digital Payments

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