The complex macro-economical situation combined with the evolution of competition, which is increasingly global, and of the regulatory context are transforming the sector and pose the challenge of creating a sustainable business model. What evolution will sweep through global payments over the next 5-10 years?
Keywords: SEPA, PSD3, Instant payments, Open banking, Open finance, Data economics, International payments, Request-to-Pay
Which technological innovations are revolutionising the offer and the way payment services are used, and with what risks? From Artificial Intelligence to Digital Identity, what are the opportunities and risks, also from an ethical perspective? How will the collaboration between man and machine evolve?
Keywords: Artificial Intelligence, Generative AI, Chatbot, Cybersecurity, Digital Identity, Tech disruption, Ethics, Privacy, EU AI Act, Cloud
From the growing ESG sensitivity to digital and financial inclusion of different generations, to the need to sustain socio-economic development also through new skills and professions: how do payments promote sustainability and inclusion?
Keywords: ESG, Sustainability, Inclusion, Digitalisation, Smart cities, NRRP, Sustainable mobility, Financial education, Gen Alpha, Gen Silver, Charity, Public Administration, Access to cash
Customers demand a personalised experience: from digital stores for simplifying retail store management to full x-commerce integration (virtual stores, apps, marketplaces, etc.): what are the next frontiers for merchants?
Keywords: Omnichannel approach, Embedded Payments, Customer Experience, BNPL, e-Commerce, m-Commerce, Marketplace
Payments between companies amid the growing need for integration (e.g. between payments and invoices), speed and visibility of the payment status, security and cost containment (e.g. for cross-border payments): what challenges and opportunities lie ahead for B2B payments?
Keywords: B2B Payments, Software, ERP, Cross-border, Reconciliation
Digital currency continues to evolve in both the Retail and Wholesale segments, amid digital wallets, central bank schemes (e.g. the digital Euro) and Decentralised Finance. How can banks grasp opportunities both by exploring paths of cooperation and through alternative projects?
Keywords: Digital Euro, CBDC, Digital wallet, DeFi, Retail, Wholesale
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