Global economics and FinTech examine monetary policy, inflation dynamics, real-time gross settlement (RTGS) payment rails, and quantitative risk management across global capital markets.
Its programmable features (e.g., smart contracts, conditional payments) could unlock breakthroughs in sectors like energy trading, IoT, and ESG-compliant supply chains. Imagine a B2B payment settling instantly across borders, slashing costs and delays.
Explore digital payment infrastructure, real-time transactions, and fintech platforms shaping global financial ecosystems and services.
Global economic growth: global economic resilience underpins the expansion of B2B cross-border payments. According to the United Nations, the global economy is projected to grow at a rate of 2.8% in 2025, supported by strong business investments and international trade.
Global Real-Time Payments and A2A Infrastructure Expand as Multi-Rail Ecosystems Reshape Payment Economics This report analyzes the expansion of real-time payments, account-to-account (A2A) infrastructure, and multi-rail payment ecosystems.
Global fintech infrastructure. Payment infrastructure built for digital business. Grandexa connects companies, payment infrastructure and local partners across international markets, delivering scalable fintech solutions for a rapidly changing digital economy.
ESG FinTech Summit. CX in Financial Services Forum. Global InsurTech Summit – Europe.The company believes the Nordics are well placed to lead, thanks to high digital maturity, established payment infrastructure and broad adoption of e-invoicing and open banking.
Financial technology—fintech—opens opportunities to boost economic growth, especially for financial inclusion, but policymakers must also address the risks. Read the latest IMF research on these issues, including the future of digital currencies.
Changes in FinTech payment infrastructure — Apple adding crypto payments, PayPal enabling BTC purchases, Visa settling transactions in USDC — are catalysts that affect crypto adoption and price.
Global payments represents banking's largest revenue pool, generating approximately $2.6 trillion in revenue from 3.8 trillion transactions and $2.1 quadrillion in annual value flows. Accounting for roughly 41 percent of total banking revenues, the sector has been a core pillar of global banking economics.
The Hidden Complexity of Fintech Payment Systems. While the payment process appears simple to users, the backend infrastructure that powers digital payments is highly intricate. A single online payment may involve several entities working together.
The global fintech sector has experienced transformative growth over the past decade, reshaping financial services by enhancing inclusion, efficiency, and innovation (Ferilli et al., 2024; Guo et al., 2024). Despite this progress, fintech development exhibits significant regional disparities driven by macroeconomic conditions, infrastructure readiness, and policy environments. Advanced ...
How does crypto payment infrastructure fintech improve global operations? It bypasses traditional intermediary networks, allowing businesses to execute global transactions around the clock.
Payments Infrastructure: The Hidden Value Lever in Private Equity.The payments landscape is very different now than it was 15 years ago. Over the past decade and more, fintech companies have built up an alternative global payment infrastructure to rival the traditional banking one.
This research paper explores the transformative impact of digital payments and FinTech innovations on the modern economics of money, analyzing how technological disruption reshapes financial ...
Global insights. Payments sector remains biggest fintech ticket, attracts over $16 billion in funding in H1’23. The payments sector attracted the largest share of fintech funding in the first half of 2023, including the three largest deals globally.
Global FinTech Financing Boom: Transformation Driven by AI, Payment Infrastructure, and RegTech This issue provides an in-depth report analyzing recent financing trends in the global FinTech sector, focusing on the application of artificial intelligence in financial services, the development of real-time payment networks, innovations in digital banking, and the constantly evolving financial ...
Adyen, a global leader in digital payments, has consistently demonstrated resilience amid macroeconomic turbulence, leveraging its Land-and-Expand model and share-of-wallet expansion to drive sustainable growth.
Behavioural economics further enriches this perspective by highlighting how cognitive biases and psychological factors influence adoption decisions. Behavioural biases such as trust, perceived ease of use and security concerns significantly impact adoption of digital payments, which in turn shape macroeconomic outcomes like GDP growth.
Sepay provides global payment solutions and blockchain-based fintech infrastructure for businesses and financial institutions.
Vietnam Fintech Rising: 9Pay Powers Global Payment Connectivity.Secondly, SoftBank’s Vision Fund portfolio is heavily exposed to AI-related startups and infrastructure companies. In addition, broader macroeconomic conditions have supported risk-on sentiment in equity markets.
The fintech ecosystem is growing rapidly, but banking penetration remains low, creating massive opportunity for PSPs building localized infrastructure that connects mobile money networks, bank transfers, and emerging digital payment methods into a unified platform. Latin America Latin America is experiencing a real-time payments revolution.
Learn about UniPayment’s group structure, payment infrastructure, global partnerships, leadership team, and key milestones across accounts, payments, and settlements.
The global financial system is influenced by nonfinancial factors such as tariffs, data governance rules, energy constraints, and national security priorities. The growing divergence in payments reflects the evolution of the broader financial system into a mosaic of regions with different standards, timelines, currencies, and trust anchors.
mobile Fintech payment infrastructure comparing existing payment services to show.cial infrastructure, they provide a platform for pay-as- you-go payments. In addition. to its own platform, it is also compatible with third-party platforms such as Facebook
Payment Service Providers, Payments Infrastructure, FinTech Infrastructure, B2B Payments. $35. $4.1B.
Global payments revenues increased 11% globally in 2021. Demonstrating the resilience of the payments industry, overall electronic payment transactions grew at a 19 percent rate in 2021—in line with prepandemic growth rates.
Technology Platform: This business-to-business infrastructure ecosystem utilizes Galileo's payment APIs and Technisys' cloud core banking architecture to power global fintech applications and traditional financial firms. With its high profile 20 year...
Segmenting SAM: Within FinTech, big verticals include payments, lending, wealth/asset management, insurtech, regtech, banking infrastructure. The TAM for payments alone is multiple‐hundreds of billions globally (see market maps below).
Explore the top fintech stocks to buy in 2026, what makes them stand out, and how to start investing in them today.
JVI Open Lecture: Infrastructure in Central, Eastern, and Southeastern Europe: Benchmarking, Macroeconomic Impact, and Policy Issues.
We help financial institutions and fintechs launch modern platforms for digital banking, lending, payments, and wallet infrastructure. Whether you’re starting from scratch or upgrading legacy systems, our team delivers reliable, scalable solutions built for growth.
Fintech Economics & Payments Infrastructure. The Hidden Economics Behind Payment Fees. Every tap, swipe, and QR scan hides a cost.
Xeleven is a global fintech infrastructure platform combining regulated financial providers, banking infrastructure, payment rails, crypto processing and compliance systems into one scalable white-label ecosystem.
Ripple to acquire payment infrastructure fintech Rail for $200m. Transak raises $16m strategic round to scale web3 infrastructure globally.
Payment infrastructure is what separates platforms that can scale from those that hit a ceiling,” said Bruno Bawa, Lead, African Partnerships at Kora. “We saw firsthand that most brokers lack the connectivity to process payments seamlessly across 10+ African markets simultaneously.
Payments & Payment Infrastructure. Fintech, Banking & Neobanks. Wealth & Asset Management.Distribution. Outreach, founder collaborations, account-level engagement, paid weight. The work reaches people who don’t follow you.
Competing rails for crossborder payments: banks, fintechs, and stablecoins. Cross-border payments remain slow and expensive despite significant improvements in digital financial infrastructure over the… By. Wenxin Du.Innovation and fintech Macroeconomic analysis.
FINTECH DEVELOPMENTS FinTech companies are reducing fraud, easing payment processes, saving money, and promoting financial planning.“FintechNews.org — Global fintech news and analysis covering payments, open finance, regulation, AI and digital banking.”
Explore the latest document resources brought to you by the editors of FinTech Futures.
Discover the ECE’s Fintech and Macroeconomics Engineering Program at the Paris campus: an RNCP Level 7 program in blockchain and fintech.Macroeconomic laws and dynamics of global markets. Mathematics for finance and macroeconomics.
According to CB Insights’ 2024 fintech report, global fintech funding declined 40 percent between 2022 and 2024, pushing the sector toward consolidation and a sharper focus on profitability over growth at all costs. Payment processing is the largest segment.
Macroeconomics: Supply, Demand and Elasticity.
Mangopay, a platform-specific payment infrastructure provider, today announces that it has been selected by Maisons du Monde, a home decor and furniture retailer, to offer seamless payment experiences to its marketplace customers.
Where do fintech narratives most often diverge from how systems actually work at scale? The biggest narrative myth is the “one-click global expansion.” Marketing copy makes it sound like you can integrate one SDK and suddenly accept payments in 150 countries.
Gulf Falcon capital markets are embracing FinTech, DeFI and crypto assets alongside financing infrastructure across the region, including renewable energy, promising to become a Global Clean Energy Hub, fashioning a New Global Energy Map. The gulf falcons report | 22.
Calgary-based FinTech startup Helcim has built out and launched a new comprehensive payment solution, designed to help businesses easily accept payments and operate online.
Infrastructure. Fintech enablement Fintech Enablement.Global Payment Solutions. Third Party Payment Processing. A fully managed, cost effective and an end-to-end issuing, acquiring and clearing processing services for fintechs, neobanks, marketplace and financial institutions.
Associate Director, Payments/Scheme Economics (Payments/Fintech): Owning payment cost integrity, scheme fee configuration, and economics across Visa, Mastercard, and expanding payment methods with an accent on rule interpretation, transaction-level modeling...
The Fintech & Macroeconomics major is designed for students who are eager to explore the intersection of finance and technology. This two-year program, offered in Paris, focuses on equipping students with the skills needed to navigate the rapidly evolving financial landscape.
Banking Frontiers & Financial Technology Frontiers dives deeper into areas of weakness in global payment infrastructure.They also discussed the existing infrastructure models within banks’ processes, as well as the key technology drivers.
L7 Prime has been recognized in the InvestingCube Global Awards 2026. What are you building or improving? Choose the route that best reflects your current stage. L7 will help identify the infrastructure, providers and operating support required.
Fintech payment Infrastructure Architect -Atlanta GA ( The Transaction Alley) – $190,000-$265,000. The southeast surge: Why Atlanta is the Global Epicenter of payments in 2026.Fintech payment Infrastructure Architect Why This post is “High Value” for your career.
Cross-border payment firm NALA secures key Bank of Uganda licences, committing $2 million to boost the country’s fintech ecosystem and payment infrastructure.
The adoption and application of FinTech in the form of blockchain technology can help any country develop a vigorous digital economy and…According to the 2021 World Bank Global Index, only 52% of adult Tanzanians (aged15+) had access to formal banking.
Revolut is reportedly targeting a valuation of up to $200 billion in a potential initial public offering, according to TechCrunch, marking one of the most ambitious IPO valuation discussions in the global fintech sector to date.
Client: Craftgate. Industry: Fintech / Payment Infrastructure. Challenge. Businesses needed a single, reliable way to accept payments across multiple banks and payment methods, without managing each integration separately.
ZeroHedge - On a long enough timeline, the survival rate for everyone drops to zero...
Twig, a London, UK circular economy fintech scaleup, announces its $35 million Series A round of financing. The investment will help the company accelerate delivering its Web 3.0 green payment infrastructure and boosting the roll out of its current suite of financial products.
Key Trends Shaping Fintech Economics in Asia. 1. Embedded Finance is Becoming Ubiquitous. 2. Green Fintech and Sustainable Investing.According to ftasiamanagement economy news from fintechasia, here are the hottest sectors for investors in late 2025: Fintech Infrastructure
Unified Payments Interface TransactionsThe Profit Paradox: Why Profitable Businesses Struggle to Attract Premium ValuationsJuly Consumer Price Index Moderates, Easing Pressure on Federal Reserve for Imminent Rate HikeMexican Peso Reaches...
Now Nala has raised $40 million to build its own payment rails allowing global businesses to move money to and from Africa. Benjamin Fernandes launched his fintech startup Nala in 2018 with the aim of speeding up money transfers within his native Tanzania.
MoonPay offers a fast and simple way to buy and sell cryptocurrencies. Buy crypto with credit card, bank transfers, Apple Pay, PayPal and more.
Global Fintech Edge – Innovative Financial Technology Solutions. Skip to content.5. Cross-border payments infrastructure is being built at the government and central bank level, but the commercial layer is being built by fintechs competing for the same opportunity.
In macro economics, Fintech service providers can create opportunities for providing services appropriate to the management of finance business process of a particular sector. In every sector, as start-ups keep evolving, there will be new opportunities forever.
Category: Fintech / Payment Infrastructure | Founded: 2016. Flutterwave was founded in Nigeria and has grown into one of Africa's most valuable fintech companies, achieving unicorn status — a valuation exceeding $1 billion — and processing billions of dollars in transactions annually.
Stripe’s payment infrastructure supports transactions in over 100 currencies, enabling global businesses to accept payments across multiple regions. Case Study: SaaS Platform Payment Integration.
For the analysis of this report, we included the following fintech sectors: daily banking; lending; wealth management; payments; investment banking and capital markets; small and medium-size enterprise (SME) and corporate services; operations; and infrastructure (including embedded finance, and banking as a service).
What fintech payment infrastructure needs to do. Fintech payment infrastructure is the layer that lets a business collect funds, attribute them correctly, move value between rails, settle into the right currency, and pay people out without turning every transfer into manual operations.
The technology-enabled innovation in financial services —known as fintech—is one such example, accelerating rapidly as pandemic shutdowns amplified its importance for maintaining business activity and financial services during a time of social distancing.
A payment gateway enables fintech platforms to process payments, fund transfers, virtual accounts, credit and debit cards, digital wallets, QR payments, and other payment methods through a unified payment processing infrastructure.
Read our latest research, articles, and reports on Financial Services Payments.
Learn how to set up a secure online business payments infrastructure with the right tools to protect transactions and support business growth.
Several fintechs in Europe and globally are raising fresh capital to either scale their payment orchestration layers, improve regulatory coverage, or expand their cross-border offerings. Notable Recent Fintech Funding Examples
Behind everyday payments and credit lies critical financial market infrastructure. The World Bank Group helps developing countries build safe, efficient systems—payments, credit, and digital financial services—through laws, regulation, and supervision, advancing inclusion, stability, cross-border connectivity, and fintech innovation globally.
FinTech. Secure and scalable financial infrastructure. Global. Technology platforms designed for worldwide scale. Jangras Corporation Decoration. Future-Ready Infrastructure.
Introduction Drawing on direct input from fintechs, this research provides new data and insights into fintech market developments. With fintechs now central to the global financial system, it is critical to monitor key trends - ranging from market performance and customer shifts to regulation, fundraising and technological innovation.
$176B Payments fintechs hit $176 billion. Payments-focused fintechs have attracted $135 billion in equity funding over the past 25 years—nearly a quarter of all global fintech investment. Together, these businesses generated $176 billion in revenue in 2024 and are growing at 23% annually. Agentic AI will influence over half of e-commerce spending. Agentic AI is moving deep into the payments ...
Finix is a payments infrastructure platform with the mission to create an accessible financial services ecosystem by building a fast, easy, and cheap global operating system for fintech.
What is Macroeconomics? Goals of Macroeconomics. Economic Indicators. How Does the Government Influence the Macroeconomy? Additional Resources. Macroeconomics. The study of the aggregate economy.
For more than ten years, the global cross-border payments industry has run on a single, successful playbook: Reduce the friction, cost, and time needed to move money from point A to point B. Spurred by competitive fintech entrants, technology modernization, and global and local policy mandates, the industry has largely delivered on that promise. Payments speed has increased significantly. End ...
Fintech & Payment Infrastructure. High-Performance Payment Rails and Secure Financial Architecture.Automating Reconciliation for a Global Payment Checkout Rail. The Challenge.
A key activity of the Future of Global Fintech initiative has been conducting a panel survey to take the pulse of the global fintech industry. Working with a carefully curated research panel of 227 fintechs across five industry verticals and six regions, this survey aims to produce actionable insights to inform fintech market development and evidence-based regulation.
Economic frictions such as information asymmetries and economic forces such as economies of scale and scope give rise to financial intermediaries. These frictions and forces also shape market structure.
Similarly, fintech payment aggregators (for example, Square and Stripe) offer convenient payment services to merchants without the need for them to set up a merchant account with a processing bank.
The Global Payments and Fintech Trends Report 2024 covers a spectrum of essential aspects: Cutting-edge predictions: A strategic assessment of significant trends, covering instant payments, fraud prevention, Embedded Finance, Open Finance, BNPL, digital currencies, and more, offering a comprehensive overview of industry developments.
Explore the latest fintech industry trends, from artificial intelligence in financial services to digital assets, banking licenses, and horizontal fintech software solutions.
The chessboard rearranged: Rethinking the next moves in global payments Shifts in the macro environment are creating opportunities and obstacles for participants across the worldwide payments ecosystem.
This volume provides insights and lessons learned from a range of fast payment systems (FPS).
Despite the increased activity in the fintech sector in Nigeria and the positive multiplier effect in the economy, there is significant potential for further growth. Fintech accounted for only around 1.25 percent of retail banking revenues in 2019.12McKinsey Global Banking Pools.
Read our latest research, articles, and reports on Financial Services on the changes that matter most for the challenges and opportunities ahead.
This paper provides an analysis on the emergence of new technologies in the financial industry and their application to financial and investment activ…
Through Fintech Payment Infrastructure, fintech companies are building layered ecosystems — from UPI-linked wallets to programmable virtual accounts — all designed to simplify how money moves in real time. But with so many tools available, confusion is common.
In work with Berg, Keil, and Felix Martini, we show that these developments often have a geopolitical angle. 6 Payment infrastructure forms part of a country's critical infrastructure. Central banks are reluctant to leave digital payment reins in the hands of foreign players.
Global Fintech Edge – Innovative Financial Technology Solutions.Payments, accounting software and AI-driven financial infrastructure remain closely connected as financial institutions modernize their technology stacks.
Fintech platform Endl has raised $1.5 million in funding to strengthen and scale its global payment infrastructure. The investment will support technology upgrades, expansion into new markets, and improved cross-border payment capabilities to better serve businesses worldwide.
This year's report examines the evolving global payments ecosystem and highlights where players can capitalize on new dynamics. Our analysis is based primarily on McKinsey's Global Payments Map, which covers more than 25 payment products in 48 countries and accounts for more than 90 percent of global GDP.
FinTech offers a cutting-edge cross-border payout API for US businesses, simplifying global payments with speed, security, and compliance.
In our latest global survey of banking, fintech and payments organisations, 89% of respondents agreed that the shift towards e-commerce would continue to increase, requiring significant investment in online payment solutions. Not only that, but a large majority (97%) agreed that there will be a move towards more real-time payments.
Airwallex built its own cross-border payments network to underpin all its product offerings. This network, founded on an infrastructure of over 60 banking licenses, is designed to offer faster and more cost-effective cross-border payments.
Fintech seems to have thrived particularly in markets where the financial system had been less developed (FSB 2020; Didier et al 2021). However, the underlying economics of intermediation combined with new technology may lead to concentration among both traditional and new financial services providers.
Ugandan fintech startup MAM Telecom Ltd is advancing a payment and settlement stack aimed at structural inefficiencies in Uganda.
Unlimit, FinTech, Payment Infrastructure Provider, Payment Processing, inDrive, USA Unlimit, the global FinTech company has announced a partnership with inDrive , the fast-growing online ride-hailing service in the US.
The fintech sector has recovered from the 2023/2024 reset, with strong growth and profitability, but now enters a more demanding era of closer public-market scrutiny and heavier compliance burdens. Global fintech revenues grew 22% in 2025, more than four times as fast as incumbent revenues, and surpassed half a trillion dollars.
Quick Read. XRP (XRP) is expanding through institutional partnerships and cross-border payment corridors backed by Ripple's infrastructure. XRP ETF approvals could bring $15B to $25B in institutional inflows and deepen market credibility.
This paper explores the intricate dynamics within the public FinTech landscape, focusing on economic structures, evolutionary trends, and partnership strategies. As FinTech becomes a significant force in transforming global financial services, understanding market dynamics, strategic partnerships, and risk management becomes crucial for stakeholders. We analyzed 131 publicly listed FinTech ...
Developed in partnership with Convera and The Paypers, this insightful report analyses the current and future state of the fintech sector, emphasizing the crucial role of cross-border payments in international trade and finance. As global commerce evolves in the digital era, alongside rapidly shifting consumer and business expectations, the need for innovative, efficient and secure payment ...
The Paypers is a global hub for market insights, real-time news, expert interviews, and in-depth analyses and resources across payments, fintech, and the digital economy. We deliver reports, webinars, and commentary on key topics, including regulation, real-time payments, cross-border payments and ecommerce, digital identity, payment innovation and infrastructure, Open Banking, Embedded ...
Executive summary Fintech is entering a phase of renewed momentum. After a recalibration period, the sector roared back in 2025 with the IPO window reopening and M&A activity accelerating as several well-capitalized startups consolidated to build full-stack platforms. Money movement remains the sector's defining theme, with payments, B2B infrastructure and stablecoins attracting significant ...
In a period of ongoing macroeconomic and geopolitical upheaval, the global payments ecosystem is once again demonstrating resilience.
Research findings are based on a global survey of over 200 fintech companies across five retail-facing industry verticals and six regions. The publication presents actionable insights to public and private sector decision-makers to facilitate further responsible growth of the fintech industry.
Africa's next FinTech wave requires moving beyond payments to build interoperable infrastructure, expand credit access, and enable sustainable, ecosystem-wide scale.