Waves of PaymentEvolution
1999–2007
E-commerce & High
Costs
2008–2020
PSP Expansion & APM
Growth
2020–2026+
Merchant Control &
Optimisation
2025 +….
Future: Digital Value
Rails
4.
Grow During theDigital Tsunami
2/3 adults use
digital payments
Friction = lost sales
Adapt or fall behind
Payments Are No
Longer Just
Processed -
They Are
Orchestrated