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The global payments ecosystem is constantly evolving into a complex global network. As new Fintech startups disrupt the way we move money around the world, businesses of all sizes need to keep informed about the changing payments landscape. To remain relevant and competitive, you need to understand today’s payment trends and consider how to advance your payment processes to meet the demands of modern commerce.

On this page, you’ll find our handpicked whitepapers, reports, blog posts and videos for you to consult on a variety of important payment topics. 

Cost and Value in Banks - A Model Fit for the Digital Era?

Research from The European Research Institute (ECRI) brings fresh insight into how the banking sector manages costs while balancing the need to add value to services provided to both retail and corporate customers.

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inside payments summer 2018

Inside Payments Summer 2018

This quarterly publication is intended to share insights from ACI on all aspects of payments innovation, disruption and regulatory change that is fundamentally shifting the way businesses and consumers alike will transfer “value” in the future.

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International Merchant Treasurers: The New Payment “Super Users”

As Europe’s payments landscape is transformed, merchant treasurers now have the opportunity to exert greater control over the financial health of their companies.

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Strategies for Fighting Fraud in the Real-Time World

In tackling payments fraud, PSPs are increasingly turning to technology. Successful fraud prevention is all about decision-making – accepting the good transactions and denying the fraudulent ones – with the best available information in real-time.

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Balancing Simplicity with Diversity: Transforming Payments Systems for the Digital Age

Does your payment infrastructure need modernization? Read our white paper to learn the best ways businesses can leverage digital payment innovations to stay efficient and competitive.

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The Future of Payments: Who Is Positioned for Advantage?

This paper explores how changing payment systems alter the relationship of consumers to banks and retailers, as well as the strategic consequences of the new payment landscape.

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The Future of Payments in a Digitalized World

In this paper, we demonstrate that, by adopting digital payment systems, banks are in a better position to compete technologically and financially.

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Innovation, Distributed

This report maps the symbiotic relationship between banking and Fintech 2.0. 

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Instant Payments — The Journey So Far

This paper explores why there has been such a push for instant payments around the world.

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Insights and opinions

An Insider's View to Payments & FinTech

This report delivers the top findings of the 2017 Global Payments Innovation Jury, comprising 70 successful payments executives from 37 countries. 

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Global Payments Insight Series

Check out our series of reports for insights into how to stay competitive in the changing payments landscape.

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Key Drivers

From browsing to purchasing, new technologies are altering the payments industry. In particular, The Internet of Things (IoT), Blockchain, and Open APIs have worked their way into the mainstream. Check out our white papers, blog posts and videos for insights into how these innovations are driving significant consumer and business trends.

Internet of Things

The Internet of Things (IoT) is changing how commerce and payment transactions are conducted. Consult these resources to explore how the financial services industry can both address the challenges and seize the opportunities.

Whitepaper | Enabling the Internet of Things: Why banks should be part of the Fabric of the IoT

Video | Bringing IoT and Payments Together

Blog | IoT, Blockchain, Predictive Analytics and Voice First: 2017 Payments Predictions

Blog | Connected Devices are Opening Up New Forms of Payments and Partnerships

Blockchain

Consult these resources to learn how Blockchain secures data, avoids duplication, decentralizes information, shares it publically and automatically executes smart contracts, among a host of other innovative benefits for payment systems.

Whitepaper | Extending The World Of Payments To Blockchain 

Whitepaper | Unlocking the real benefits of Blockchain through its ‘Sweet Spot’

Blog | Blockchain Is Hot, But Where’s the Beef?

Blog | Is Blockchain Ready?

Blog | Blockchain For Retailers: Producing Real Business Benefits

Open APIs

Open APIs are transforming the payments experience for both individual customers and global corporations. Consult these resources to examine how software intermediaries are rapidly emerging as future drivers of banking and financial services.

Video | Open APIs and Real-Time are Hand in Glove

Blog | The Magical Mystery API Is Waiting to Take You Away…Waiting to Take You Away

Blog | Open APIs, PSD2, Blockchain and Marmite...The Deliciousness of Payments

Blog | Open API Architecture is Now a Prerequisite for Merchants