Global Payments Market Trends 2026: Infrastructure, Real-Time Payments, Cross-Border, Fraud & AI

Table of Contents

1. Key Takeaways

2. Management Summary

3. Global Payments Market Overview

• 3.1. Digital Payments Market Size & Revenue Trends
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 1 of 2)
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 2 of 2)
• Global: Digital Mobility Payments and Market Growth Overview, June 2026
• Global: Total Non-cash Transactions Volume, in volume trillions, 2018 & 2021-2024e & 2028f
• Global: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
• Global: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023, 2028f
• Global: Transaction-Related Payments Revenue, by Region, in USD billion, and Compound Annual Growth Rate, 2019, 2024 & 2029f
• Global: Payments Revenue by Type, Commercial & Consumer in %, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2023
• Global: Payment Revenue Value, in USD trillion, 2027f
• Global: Online Payment Methods Preferred by Shoppers, in % of Respondents, 2024
• Global: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023 & 2028f
• Global: Organizations Accepting Payment Methods, by Type, in %, 2022 & 2024
• Global: Payment Type Transactions, by Quarter, in % Year-Over-Year Change, Q4 2022 - Q3 2023
• 3.2. Real-Time Payments Market Dynamics
• Global: Real-Time Payment Transactions, in billions of Transactions, and Growth Rates, 2022-2023 & 2028f
• Global: Instant Payments as Share of Non-Cash Transaction Volume, in %, 2023 & 2028f
• Global: Share of Real-Time Payments in Total Electronic Transactions, in %, 2023 & 2028f
• Global: Top Five Real-Time Payment Markets by Transaction Volume and Year-on-Year Growth, in billions of Transactions and %, 2023
• Global: Instant Payment Penetration and Year-on-Year Volume Growth by Region, in %, 2024
• Global: A2A Transaction Volume, in billions, and Total Growth, 2024 & 2029f
• 3.3. Strategic Evolution of Cross-Border Payments
• Global: Cross-Border Payment Infrastructure Layers, Intermediaries, and Settlement Mechanisms, June 2026
• Global: Evolution of Cross-Border Payment Infr., Real-Time Connectivity, and Network Modernizat., June 2026
• Global: Structural Drivers Accelerating Cross-Border Payment Infrastructure Modernization, June 2026
• Global: Structural Drivers Supporting Digital Identity Modernization, June 2026
• Global: Transition Toward Real-Time Interoperable Cross-Border Payment Systems, June 2026
• Global: Competitive Positioning Across Banks, PSPs, FinTechs, and Payment Infrastr. Providers, June 2026
• Global: Service Capabilities Across Major Cross-Border Payment Infrastructure Providers, June 2026
• Global: Competition Between Traditional Banks, PSPs, FinTechs, and Infrastructure Platforms, June 2026
• Global: Competition Across Cross-Border Payment Networks Layer, June 2026

4. Global Payment Economics & Market Structure

• 4.1. Economics of the Global Payments Industry
• Global: Impact of A2A Payments and Alternative Rails on Revenue Pools, April 2026
• Global: A2A Payment Monet. Models, Fee Structures, Cost Allocation and Value-Added Services, April 2026
• Global: Real-Time Paym. Business Models, Value Capture, Revenue Layers and Comp. Positioning, Apr 2026
• Global: Payment Value Chain Profit Pools, Issuing, Acquiring, Processing, and Revenue Layers, April 2026
• Global: Stablecoin Reserve Management and Issuer Economics, June 2026
• Global: Commercial Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Consumer Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Revenue Structure and Monetization Mechanisms Across Card and A2A Payment Models, April 2026
• Global: A2A Payments and Multi-Rail Infrastructure Development, April 2026
• Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, Apr 2026
• Global: Merchant Payment Acceptance Costs for Card-Based and A2A Transactions, April 2026
• Global: Card Type Identified as Most Likely to Be Impacted by A2A Payments, in % of Paym. Executives, 2025
• Global: Merchant Acceptance of Selected Payment Methods, in % of Respondents, 2023 & 2025e
• 4.2. Economics of Cross-Border Payment Flows
• Global: TAM of Wholesale and Retail Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: TAM of Non-Wholesale Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: B2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: B2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Flows by Use Case, in USD trillions and % of Total Share, 2025
• Global: Cross-Border Payment Revenues by Use Case, in USD billions and % of Total Share, 2025
• Global: Cross-Border Payment Take Rates by Use Case, in % of Cross-Border Payment Flow Value, 2025
• Global: Large Enterprise Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: SMB Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Fee Structures and Transaction Friction Across Major Corridors, June 2026
• Global: Settlement Delays, Intermediary Complexity, and Liquidity Constraints in Intern. Payments, June 2026
• Global: Infrastructure Factors Influencing Cost and Efficiency Across Major Payment Corridors, June 2026

5. Global Payment Infrastructure Modernization & Interoperability

• 5.1. Evolution of Payment Infrastructure
• Global: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• Global: Share of Non-Cash Transaction Volume by Payment Instrument, in %, 2023 - 2024e & 2029f
• Global: Share of E-Commerce Transaction Value by Payment Method, in %, 2024 & 2030f
• Global: Correspondent Banking, RTP-Based Payment Models, and Cross-Border Infrastr. Trends, June 2026
• Global: RTP System Expansion, Transaction Growth, and Cross-Border Connectivity Initiatives, June 2026
• Global: Cross-Border RTP Linkages, Payment-System Interoperability, and Infrastr. Connectivity, June 2026
• Global: ISO 20022 Adoption and Interoperability Development Across Payment Systems, June 2026
• Global: ISO 20022 Standardization and Payment Data Harmonization, June 2026
• Global: SWIFT Infrastr. Modernization, ISO 20022 Migration, and Transaction Data Standardization, June 2026
• Global: API-Based Financial Infrastructure and Embedded Payment Integration, June 2026
• Global: Identity, Authentication, and Trust Across Digital Ecosystems, June 2026
• Global: Banking-as-a-Service and API Ecosystem Expansion in International Payments, June 2026
• Global: Strategic Expansion of API-Based Payment Infrastructure Providers, June 2026
• Global: Payment Orchestration Layers and Intelligent Routing Infrastructure, June 2026
• Global: Multi-Rail Payment, Transaction Routing Complexity, and Payment Method Fragmentation, June 2026
• Global: Digital Wallet Connectivity, Multi-Currency Payment, and Cross-Border Payment Integration, June 2026
• Global: Digital Identity Infrastructure Across Commerce, Finance, and Government, June 2026
• 5.2. Interoperability & Cross-Border Connectivity
• Global: Cross-Border A2A Payment Limitations and Card Network Dominance, April 2026
• Global: Centralized, Federated & Decentralized Identity Architecture Models, June 2026
• Global: Identity Portability, Credential Reusability & Interoperability, June 2026
• Europe: SEPA Instant Credit Transfer Usage Patterns Across Retail Transactions, May 2026
• Europe: Open Banking and Account-to-Account Payment Development Across Retail Transactions, May 2026
• Europe: Development and Rollout of EPI's Wero Payment System, May 2026
• 5.3. Adoption Drivers & Implementation Challenges
• Global: Success Factors Behind UPI and Pix, Policy Mandates, Cost Structures, and Infrastr. Design, Apr 2026
• Global: Open Banking Payment Adoption Barriers, Merchant, Consumer, and Regulatory Constraints, Apr 2026
• U.S.: Structural Barriers to Real-Time and A2A Payment Adoption, April 2026

6. Global Foreign Exchange, Liquidity & Settlement Systems

• 6.1. Treasury, Liquidity & FX Management
• Global: Treasury Optimization, Liquidity Management, and International Payment Operations, June 2026
• Global: Foreign Exchange Infrastr., Liquidity Management, and Cross-Border Payment Efficiency, June 2026
• Global: Treasury Modernization, Multi-Currency Liquidity Management, and Automated FX Routing, June 2026
• 6.2. Settlement Performance & Transaction Efficiency
• Global: Wholesale Cross-Border Payments Credited Within One Hour and One Busin. Day, in %, 2023 - 2025
• Global: Retail Cross-Border Payments Credited Within One Hour and One Business Day, in %, 2023 - 2025
• Global: Availability of Cost and Speed Inform. Across Retail Cross-Border Payment Services, in %, 2023 - 2025
• 6.3. Tokenized Settlement & Digital Money Infrastructure
• Global: Traditional and Stablecoin-Based Cross-Border Settlement Infrastructure, June 2026
• Global: Stablecoin Payment Functional Architecture, June 2026
• Global: Stablecoin Adoption, Tokenized Settlement Development, and International Payment Infr., June 2026
• Global: Commercial Bank Money Tokens and Deposit Token Initiatives, June 2026
• Global: Stablecoins Compared with Central Bank Digital Currencies, June 2026
• Global: CBDC Pilot Programs, Tokenized Settlement Networks, and Cross-Border Payment Exper., June 2026
• Global: Project mBridge Cross-Border Transactions Values, in USD billions, 2022 & 2025
• Global: Atomic Settlement Models, Tokenized Money Infrastructure, and Next-Generation Payment, June 2026
• Global: Tokenized Cross-Border Payment Infrastructure Cost Savings, in USD bil. and CAGR, 2026e - 2030e

7. Global AI, Automation & Operational Intelligence in Payments

• 7.1. Artificial Intelligence in Payment Ecosystems
• Global: Overview of AI Use in Payments, June 2026 (1 of 3)
• Global: Overview of AI Use in Payments, June 2026 (2 of 3)
• Global: Overview of AI Use in Payments, June 2026 (3 of 3)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (1 of 2)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (2 of 2)
• Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, June 2026
• Global: AI-Optimized Payments, Risk Management, and Customer Experience, June 2026
• Global: AI Collaboration and Future Innovations in Payments, June 2026
• Global: AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, June 2026
• Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2026
• Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2026
• Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023e
• Global: Top Challenges With Applying Generative AI in Banking, in % of C-Suite Executives, October 2023
• Global: Value of AI in Payments, in USD billion, 2023 & 2031f
• Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026
• 7.2. Operational Intelligence & Payment Automation
• Global: AI-Driven Transaction Routing and Intelligent Payment Optimization Systems, June 2026
• Global: AI in Treasury Operations, Liquidity Forecasting, and FX Management, June 2026
• Global: AI-Powered Fraud Detection and Transaction Monitoring in Cross-Border Payments, June 2026
• Global: Operational Automation Across International Payment Compliance Systems, June 2026
• Global: ML Infrastructure, Real-Time Risk Scoring, Sanctions Monit., and Financial Crime Detection, June 2026
• Global: Adoption of Innovative Payment Technologies by Banks & PayTechs, in % of Exec. Reporting Technologies Already Deployed, 2025
• Global: Prioritization of Payment Industry Initiatives by Banks & PayTechs, in % of Executives Surveyed, 2025
• Global: Merchant Expectations Versus Banks' Reported Capability Levels Across Payment Infrastructure Services, in % of Respondents, 2025
• 7.3. AI-Enabled Fraud & Emerging Threats
• Global: AI-Enabled Phishing, Social Engineering Acceleration, and AI-Driven Fraud Det. in Payments, March 2026
• Global: Performance and Efficiency Comparison of AI-Enabled and Traditional Crypto Scams, March 2026
• Global: Share of AI-Enabled Crypto Scams Concentrated in High-Value / High-Volume Activity, in % of Scams, 2025
• Global: Impact of Service-Based Scam Supply Chains on Fraud Scalability, Transaction Effectiveness, and Operational Intensity, March 2026
• Global: Evolution of Fraud Techniques, Detection Processes, and AI-Enabled Risk Management Practices, March 2026
• Global: Share of Consumers Who Are "Very Confident" in Identifying AI-Generated Threats or Scams, in % of Respondents, 2025
• Global: Adoption of Generative AI in Fraud Prevention by Banks, in % of Respondents, March - April 2025
• Global: Perceived Use of Generative AI in Voice-Cloning Fraud, in % of Respondents, March- April 2025
• Global: Expected Impact of AI-Driven Behavioral Analytics on Fraud Prevention, in % of Resp., March - April 2025
• Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Implications, March 2026
• 7.4. AI-Driven Fraud Prevention & Defense
• Global: Adoption and Primary Use Cases of AI-Enabled Tools for Cybersecurity, in % of Resp., August - October 2025
• Global: Behavioral AI Adoption and Enterprise Deployment Challenges in Fraud Detection Sys., March 2026
• Global: Top Use Cases of AI in Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Duration of AI Use in Fraud Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Adop. of AI for Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Leading Challenges in AI Deployment for Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on False Positives in Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on Fraud Loss Reduction, in % of Respondents, March - April 2025
• Global: Criminal Use of Generative AI in Fraud and Scam Activities, in % of Respondents, March - April 2025
• Global: Fraud Prevention Technologies, in % of Business Leaders Ranking Each Among the Top Three Most Effective, May - June 2025
• Global: Key Barriers to AI Implementation in Cybersecurity, in % of Respondents, August - October 2025
• Global: Organizations with a Process to Assess the Security of AI Tools Before Deployment, in % of Resp., 2025 - 2026
• Global: AI Security Reviews Before Deployment, by Organizational Resilience Level, in % of Resp., August - October 2025
• Global: Share of Consumers More Trusting of AI-Based Security Than Human-Monitored Security by Generation, in % of Respondents, 2025
• Global: Explainable AI and Model Governance Requirements in Financial Crime Analytics, March 2026

8. Global Fraud, Cybersecurity & Infrastructure Security

• 8.1. Risk Perceptions & Trust in Digital Payments
• Global: Share of Consumers More Concerned About Cyber Risks Than Two Years Ago, in % of Respondents, 2025
• Global: Share of Consumers Who Believe Being Scammed Is Inevitable, in % of Respondents, 2025
• Global: Share of Consumers Who Received a Scam Attempt in the Past 12 Months, in % of Respondents, 2025
• Global: Consumer Exposure to Digital Fraud Attempts, in % of Respondents, May - June 2025
• Global: Perceived Change in Selected Cyber Risk Categories, in % of Respondents, August - October 2025
• Global: Consumer Perceptions of Digital Versus Physical Security, in % of Respondents, 2025
• Global: Evolution of Identity Models and Authentication Frameworks, June 2026
• Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., Apr 2026
• Global: Leading Drivers for Considering or Implementing Passkeys, in % of Org. With Active Passkey Consideration or Adoption, Apr 2026
• Global: Consumer Perceptions of Digital Security, AI-Driven Fraud Risks, and Reporting Barriers, March 2026
• Global: Perceived Involvement of AI in Online Fraud Incidents, in % of Resp. Experienced Online Fraud or Scams, June - July 2025
• Global: Self-Reported Belief in Deepfake Identification Ability, in % of Respondents, 2024 - 2025
• Global: CEOs' Top Cybersecurity Concerns Related to GenAI, in % of Respondents, August - October 2025
• Global: Evolution of Top Cybersecurity Concerns Related to GenAI, in % of Resp., 2024 - 2026
• Global: Technologies with the Greatest Anticipated Impact on Cybersecurity in the Next 12 Months, in % of Resp., August - October 2025
• Global: Online Payment Fraud Growth, Consumer Trust Responses, and Merchant Risk Management Implications, March 2026
• Global: Fraud Reimbursement Expectations, Customer Trust Pressures, and Payment Provider Risk Ownership, March 2026
• Global: Financial System Interdep., Supply-Chain Vulnerabilities, and Consumer Trust Pressures, March 2026
• 8.2. Scale & Financial Impact of Payment Fraud
• Global: Value of E-Commerce Fraud Losses, in USD billions, 2024 & 2029f
• Global: Financial Institution Fraud Loss Forecast, in USD billions, 2025 & 2030f
• Global: Cumulative Card Payment Fraud Losses and Key Risk Drivers, March 2026
• Global: Share of Annual Company Revenue Lost to Fraud, in % of Total Revenue, 2024 - 2025
• Global: Digital Identity Fraud Trends, Consumer Scam Exposure, and Financial Institution Loss Fore., March 2026
• Global: Rate of Suspected Digital Fraud, in % of Total Digital Transactions Evaluated, H1 2022 - H1 2025
• Global: Digital Fraud Attempts, Account Takeover Activity, and Consumer Scam Exposure, March 2026
• Global: AI-Driven Fraud Escalation and Payment Fraud Values Despite Customer Authen., March 2026
• Global: Prevalence and Types of Cyber-Enabled Fraud Experienced in the Past 12 Months, in % of Resp., August - October 2025
• Global: Exposure to Cyber-Enabled Fraud in the Past 12 Months, by Region, in % of Resp., August - October 2025
• Global: Crypto Scam and Fraud Loss Estimates, Historical Revisions, and Structural Underestimation Risk, March 2026
• Global: Average Value of Individual Crypto Scam Payments, in USD, 2024 - 2025
• Global: Individual Crypto Scam Payments and Underlying Drivers of Transaction-Level Loss Escalation, March 2026
• 8.3. Fraud Typologies & Attack Methods
• Global: Primary Causes of Fraud Losses, in % of Business Leaders Rep. Each Fraud Type, May - June 2025
• Global: Suspected Digital Fraud by Consumer Lifecycle Stage, in % of Stage-Level Transaction Attempts, May - June 2025
• Global: Suspected Digital Fraud Rates by Industry, in %, May - June 2025
• Global: Share of Consumers Who Engaged With Scam Attempts by Generation, in % of Respondents, 2025
• Global: AI-Generated Impersonation, Synthetic Media, and Social Engineering in Online Fraud, March 2026
• Global: Credential Abuse Trends, Identity Management Risks, and AI-Driven Commerce Developm., March 2026
• Global: Growth Dynamics, Rising Payment Severity, and Convergence of Impersonation Tactics Across Crypto Scam Types, March 2026
• Global: Shift in Laundering Channels and Off-Ramp Structures for Crypto Scam Proceeds, March 2026
• Global: Multi-Rail Payment Expansion, Vulner. Exploitation Trends, and Ecosystem-Level Cyber Risk, March 2026
• Global: Cybercrime-as-a-Service Expansion and Implications for Payment Fraud Risk Management, March 2026
• Global: Criminal Data Marketplaces, Access Brokerage, and the Rise of Intelligence-Led Risk Management, March 2026
• Global: Money Mule Recruitment, Rapid Funds Movement, and Industrialization of Scam Proceeds, March 2026
• Europe: Authorised vs Unauthorised Payment Fraud Patterns and Reimbursement Implications, March 2026
• Europe: Scam Typologies, Consumer Decision Dynamics, and Dispute Escalation Drivers, March 2026
• Europe: Convergence of Payment Channels and Cross-Channel Fraud Threat Evolution, March 2026
• Europe: Online Marketplaces, Counterfeit Trade, and Converging Criminal Supply Chains, March 2026
• Europe: Organized Fraud Networks, Scam Supply Chains, and Industrialization of Financial Crime, March 2026
• 8.4. Cross-Border Fraud & Infrastructure Security
• Global: Payment Fraud Losses, Scam Exposure, and Fraud Mitigation Challenges, June 2026
• Global: Mule Networks, Authorized Push Payment Fraud, and International Scam Infrastructure, June 2026
• Global: Share of Deepfake-Related Fraud Incidents by Financial Services Segment, in %, Sep 2024 - Sep 2025
• Global: Fraud Rate by Financial Services Segment, in % of Suspected Rate, Sep 2024 - Sep 2025
• Global: Share of New Account Fraud and Account Takeover Fraud in Total Fraud Incidents by Industry, in %, Sep 2024 - Sep 2025
• Global: Share of Fraud Occurring After Customer Onboarding by Industry, in %, Sep 2024 - Sep 2025
• Global: Cybersecurity Risks, Operational Resilience, and Infrastructure Protection, June 2026
• Global: Third-Party Dependencies, Operational Risk, and Infrastructure Concentration, June 2026
• 8.5. Economic Impact of Fraud & Prevention
• Global: Cyber Risk Complexity, Regulatory Pressure, and Security Investment Drivers, March 2026
• Global: Fraud Liability Expansion and Rising Monitoring Costs in Payment Ecosystems, March 2026
• Global: Cyber Threat Evolution, Regulatory Pressure, and Security Investment Drivers, March 2026
• Global: Rising Scam Losses, Reimbursement Pressure, and the Growing Cost Burden of Fraud, March 2026
• Global: Information Security Spending Expansion and Strategic Alignment with Digital Payment Growth, March 2026
• Global: Estimated Contribution of Key Structural Drivers to Fraud Detection and Prevention Market Growth, in % of Impact on Forecast CAGR, January 2026
• Global: Estimated Negative Contribution of Key Implementation and Data Constraints to Fraud Detection and Prevention Market Growth, in % of Negative Effect on Forecast CAGR, January 2026
• Global: AI-Driven Growth Drivers and Implement. Constraints in the Fraud Detection Market, March 2026
• 8.6. Fraud Prevention Market & Investment Landscape
• Global: IT Spending Growth, Software Expansion, and Payments Infrastructure Investment, March 2026
• Global: Information Security End-User Spending Forecast, in USD billions, 2024, 2025f & 2026e
• Global: Rising Cybersecurity Investment Priorities and Technology Spending Expansion, March 2026
• Global: AI Adoption, Talent Shortages, and Growing Demand for Cybersecurity Solutions, March 2026
• Global: Fraud Detection and Prevention Market Size Growth, in USD billions, and Compound Annual Growth Rate, 2026e & 2031f
• Global: Estimated Share of Solution Platforms Versus Service Offerings, in % of Total Fraud Detection and Prevention Market Revenue, 2025
• Global: Estimated Share of Fraud Detection and Prevention Market Revenue by Organization Size, in % of Total Market Revenue, 2025

9. Global Regulation, Standards & Governance

• 9.1. Regulatory Frameworks & Industry Standards
• Global: G20 Cross-Border Payment Roadmap and International Coordination Efforts, June 2026
• Global: Regulatory Reform, Cross-Border Payment Modernization, and Interoperability Develop., June 2026
• Global: AML, KYC, and Transaction Monitoring Expansion Across Real-Time Payment Systems, June 2026
• Global: Open Banking, Open Finance, and Cross-Border Data-Sharing Frameworks, June 2026
• Global: Regulatory Approaches Toward Stablecoins and Tokenized Settlement Infrastructure, June 2026
• 9.2. Fraud Governance & Regional Policy Developments
• Global: Expanding Risk, Compliance, and Resilience Mandates Across the Payments Industry, March 2026
• Global: Confirmation of Payee Frameworks, Trans. Integrity Controls, and Fast Payment Risk, March 2026
• Global: Interactive Authorization, Payee Verification, and Instant Conf. in Fast Payment Ecosystems, March 2026
• Global: Interoperability Standards, Data Governance, and Implem. in Payment Pre-Validation Sys., March 2026
• Global: Payment Infra. Modernization, Interoperability Expansion, and Real-Time Risk Foundations, March 2026
• Global: Instant Payment Expansion and the Transition Toward Real-Time Fraud Decisioning, March 2026
• Global: Real-Time Risk Scoring and Authorization-Stage Decisioning in Modern Payment Systems, March 2026
• Global: Continuous Verification and Behavioral Signals as a Core Control Layer for Digital Fraud, March 2026
• Global: Cyber Threat, Operational Risk Management, and Infrast. Resilience in Fast Payment Sys., March 2026
• Global: Cloud Concentration, Third-Party Dependencies, and Payment Infrastructure Resilience, March 2026
• Global: Scenario Testing, Sector-Wide Exercises, and Standardized Incident Report. in Payment Infr., March 2026
• Global: Incident Repor. Harmonization, Fraud Monitoring Expansion, and Payment Data Governance, March 2026
• Global: Cross-Industry Collab. and Intelligence Sharing as Key Pillars of Modern Fraud Prevention, March 2026
• Global: Organized Cybercrime Netw., Automated Fraud, and Cross-Border Criminal Supply Chains, March 2026
• Global: Cross-Border E-Commerce, Small-Parcel Trade, and Merchant Risk Management Implications, March 2026
• Global: Cross-Border E-Commerce Growth, Financial Crime Exposure, and Compliance Pressure, March 2026
• Global: Cashless Payment Expansion and Implications for Fraud Exposure, March 2026
• Global: Payment Modernization, Systemic Interdependence, and Coordinated Fraud and Cyber Resilience, March 2026
• Europe: Verification of Payee Frameworks and Pre-Validation Controls in Instant Payments, March 2026
• Europe: Strong Customer Authentic., Fraud Reduction Effect, and Fraud Displacement Dynamics, March 2026
• Europe: Authentication Integration into Payment Infrastructure Resilience and Cyber Risk Governance, March 2026

10. Regional Payment Infrastructure, Real-Time Payments & A2A Markets

• 10.1. Regional Payment Infrastructure Development
• APAC: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• North America: Volume of Non-Cash B2B and B2C Payments, in bl. and CAGR, 2007, 2014, 2023-2025f, 2029f
• Europe: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• Latin America: Volume of Non-Cash B2B and B2C Payments, in bl. and CAGR, 2007, 2014, 2023-2025f, 2029f
• MEA: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• 10.2. APAC
• China: Cross-Border Wallet Expansion and Payment Infrastructure Internationalization, June 2026
• China: e-CNY Cumulative Transaction Volumes, in CNY trillion, June 2023 - November 2025
• China: Structure of Electronic Payment Transactions and Role of Mobile Payment Channels, April 2026
• China: Payment System Infrastr., Bank Account Base, and Role of Electronic Payment Transactions, Apr 2026
• China: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f
• India: UPI International Expansion and Real-Time Payment Ecosystem Scaling, June 2026
• India: Cross-Border UPI Transaction Values, in USD millions, FY24, FY25 & FY26 YTD (Jul 2025)
• India: Cross-Border UPI Transactions, in Number of Transactions, FY2024 - FY2026 YTD
• India: UPI Transaction Volume, in Billions of Transactions, and Growth Rates, 2022-2023 & 2028f
• South Korea: Payment Infr. Modernization, Settlement Efficiency, and Digital Payment Development, June 2026
• Singapore: Cross-Border RTP Connectivity and Regional Payment Infrastructure Leadership, June 2026
• Singapore: Real-Time Payment Transactions, in Millions of Transactions, and CAGR, 2023 & 2028f
• 10.3. North America
• U.S.: RTP Expansion, FedNow Development, and Cross-Border Infrastructure Modernization, June 2026
• U.S: Same Day ACH Transaction Value, in USD billions, Q1 2025 & Q1 2026
• U.S.: Same Day ACH Transaction Volume, in millions, Q1 2025 & Q1 2026
• U.S.: ACH B2B Payment Volume, in billions of Transactions, Q1 2025 & Q1 2026
• U.S.: YoY Growth in ACH Transaction Volume Across Major Payment Categories, in %, Q1 2026
• U.S.: Real-Time Payment Transactions, in billions of Transactions, and CAGR, 2023 & 2028f
• U.S.: Real-Time Payment Network Participation and Usage, FedNow vs RTP, April 2026
• U.S.: Consumer Payment Behavior and Relative Usage of Payment Methods, April 2026
• U.S.: Role of ACH and Same-Day ACH in Account-to-Account Payment Infrastructure, April 2026
• U.S.: Bank Priorities in Payment Initiatives by Implementation Timeline, in % of Respondents, 2025
• Canada: Real-Time Rail Modernization and International Payment Connectivity, June 2026
• 10.4. Europe
• Europe: SEPA Instant Expansion and Pan-European Payment Infrastructure Integration, June 2026
• Europe: Share of Instant Credit Transfers in Total Credit Transfers, by Volume and Value, in %, H1 2025
• Europe: Instant Payments Share of Total Electronic Payments, in %, 2023 & 2028f
• Europe: Variation in Payment Instrument Usage Across Selected Markets, May 2026
• UK: Open Banking Infrastructure and International Payment Innovation, June 2026
• UK: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f
• UK: Payment Methods Considered Important by Merchants, in % of Respondents, Q2 2024
• UK: Benefits Achieved by Offering Open Banking Payments, in % of Merchants, Q2 2024
• UK: Merchants Biggest Frustrations with Current Payment Solutions, in % of Merchants, Q2 2024
• Germany: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f
• 10.5. Latin America
• Latin America: Instant Payment Systems and Regional Cross-Border Infrastructure Integration, June 2026
• Brazil: Pix Transaction Growth, Infrastr. Development, and Cross-Border Payment Implications, June 2026
• Brazil: Pix Transactions, in billions of Transactions, February 2025 - May 2026
• Brazil: Value of Pix Transactions, in BRL billions, February 2025 - May 2026
• 10.6. Middle East & Africa
• Middle East: Real-Time Payment Transactions, in billions of Transactions, and CAGR, 2023 & 2028f
• GCC: Payment Infrastructure Modernization and Real-Time Cross-Border Connectivity, June 2026
• UAE: International Financial Infrastructure and Multi-Currency Settlement Positioning, June 2026
• Saudi Arabia: Payment Infr. Development, Instant Payments, and Regional Connectivity Initiatives, June 2026
• Saudi Arabia: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f
• Africa: Mobile Money Infrastructure and Cross-Border Financial Connectivity Challenges, June 2026
• Nigeria: Instant Payments, Digital Transaction Growth, and Payment Infrastructure Modernization, June 2026

11. Global Future Outlook & Strategic Scenarios

• 11.1. Future Payment Infrastructure & Settlement Models
• Global: Future Role of Stablecoins, CBDCs, and Tokenized Settlement Systems, June 2026
• Global: AI-Orchestrated International Payment Infrastructure and Automated Treasury Systems, June 2026
• Global: Long-Term Structural Evolution of International Transaction Ecosystems, June 2026
• Global: Cross-Border Infrastructure Partnerships and Ecosystem Consolidation Activity, June 2026
• 11.2. Industry Competition & Strategic Positioning
• Global: Impact of A2A Payment Expansion on Card Network Value Pools and Transaction Segments, Apr 2026
• Global: Cross-Border Payment Infrast., Interoperability Models, and System Integration Approaches, May 2026
• Global: AI Applications in Payment Processing, Fraud Detection, and Operational Infrastructure, May 2026
• Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement in Payment Systems, May 2026
• 11.3. Emerging Risks & Technology Trends
• Global: Cybercrime, Digital Fraud, and Trust Risks as Emerging Financial Stability Concerns, March 2026
• Global: Cyber Risk Complexity, Payme