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<ul><li>Apart from a slight dip as the nationwide lockdown started, UPI’s numbers had been growing constantly until January 2021.</li><li>While there’s no beating <keyword id="6357886" type="UNKNOWN" weightage="20" keywordseo="phonepe">PhonePe</keyword>’s phenomenal growth in the space, what’s noticeable is <keyword id="6357120" type="DEFINITION" weightage="20" keywordseo="paytm">Paytm</keyword>’s rise in the segment.</li><li>Paytm’s growth in UPI comes as the payments method sees widespread adoption from merchants.</li></ul>With the COVID-19 pandemic, the move to digital has become even more important and with that, the growth of India’s financial technology players. Over the past one year, UPI or United Payments Interface, India’s burgeoning digital payments bet, has seen exponential growth and taking home the biggest shares in the market are players like PhonePe, Paytm and <keyword id="2750705" type="PERSON" weightage="20" keywordseo="Google-Pay">Google Pay</keyword>. Apart from a slight dip as the nationwide lockdown started, UPI’s numbers had been growing constantly until January 2021. <div type="image" title="UPI 2020 final" msid="81527645" hostid="261"></div> But what’s interesting is how the top three players are vying for a bigger share of the market. <div type="image" title="upi apps 1" msid="81527655" hostid="261"></div> While there’s no beating PhonePe’s phenomenal growth in the space, what’s noticeable is Paytm’s rise in the segment, even while Google Pay, which was once the leader in UPI has been seeing its numbers decreasing for the past four months. <cmsannotation type="cmsannotation" annotationid="Merchants – the next big driver" comment="subhead" text="Merchants – the next big driver">Merchants – the next big driver</cmsannotation> Paytm’s growth in UPI comes as the payments method sees widespread adoption from merchants. And that’s also where the current market leader PhonePe has been winning the game. “Paytm has traditionally been much stronger in the P2M (peer to merchants) segment than the P2P (peer to peer) segment, as the usage of UPI starts to become more and more for commerce, that is where Paytm has gained. Google Pay has been a more consumer app, while PhonePe has been both. Ultimately, how much P2P payment will happen, what drives payments is commerce,” Shishir Mankad, head of financial services, Praxis Global Alliance told Business Insider. Narendra Yadav, Vice President, Paytm told Business Insider that P2M transactions are 70% of Paytm’s overall transactions, whereas for UPI overall that share is around 40%. But Yadav also said that the company’s dominance in merchants is not yet completely visible in UPI. “Our focus has been on merchants – online or offline. Whenever merchant transactions are increasing, Paytm will benefit. And after COVID-19, merchants have been moving to digital transactions where Paytm is also seeing huge growth,” he said. Business Insider has sent queries to Google Pay and PhonePe. We will update the copy if and when there is a response. <cmsannotation type="cmsannotation" annotationid="Success rate of UPI transactions" comment="subhead" text="Success rate of UPI transactions">Success rate of UPI transactions</cmsannotation> Paytm said that as per a NPCI report it registers the lowest technical decline rate of 0.01% as compared to all UPI remitter banks and 0.04% as compared to all UPI beneficiary banks. “Paytm’s success rate in UPI is much better, and there’s no one who comes closer to that,” said Yadav. However, Gupta believes that when compared to the likes of Google Pay the reasons are beyond the company. “The reason lies with banks and not Google Pay. Paytm has an advantage because it's a payments bank, so it controls the entire stack which basically means a lower failure rate. Having said that Google Pay works with three or four major banks and failure rates aren’t just dependent on banks but also NPCI’s UPI stack,” Arnav Gupta, analyst at Forrester told Business Insider. <cmsannotation type="cmsannotation" annotationid="Adopting new users in UPI" comment="subhead" text="Adopting new users in UPI">Adopting new users in UPI</cmsannotation> The acceleration in UPI also means new users and new payers being added to the ecosystem. And players have also been spending on marketing to get these users. Both Paytm and PhonePe have gone on to sponsor Indian Premier League, the glam cricketing tournament. “These numbers are dependent on the kind of marketing and ad spending these companies keep doing. Transactional volumes are always increasing, and with that the average transaction ticket size is also increasing. Digital adoption by the consumers is on the higher side especially due to the COVID-19 pandemic, a lot of new users and new payers were added to the ecosystem,” said Gupta. The Vijay Shekhar Sharma-led company had recently said that it processes 1.2 billion transactions in a month. In January 2021, Walmart-owned PhonePe had said it processes over a billion monthly transactions. “PhonePe now has more than 275 million lifetime registered users, which essentially means that one in every five Indians now has PhonePe. Our monthly transaction count is up nearly 100% year-over-year. Our monthly active users (MAU) has crossed 110 million monthly users with a very healthy 97% monthly customer repeat rate. Even in terms of monetary value, our annualised total payment volume (TPV) run rate has crossed the $300 billion mark,” PhonePe’s chief executive Sameer Nigam had said during Walmart’s fourth quarter earnings. Meanwhile, Paytm knows it has a long way to go in the UPI ecosystem. The $16 billion startup has also announced, on Monday, that its UPI handles have been approved by India stock regulator Securities and Exchange Board of India for users to pay for IPOs. And this is just one of the tricks that Paytm is using to leverage its other businesses. “Paytm has many businesses, and if they put their might behind this it will surely yield results. While in UPI, Paytm is a distant third, if you look at Paytm wallet to wallet transactions that’s very large but doesn’t get recorded as it doesn’t enter any settlement,” said Mankad. SEE ALSO: <a href="https://www.businessinsider.in/finance/banks/news/banks-are-not-liable-to-cough-up-payments-if-you-have-been-a-victim-of-fraud-or-scams/articleshow/81526097.cms">Banks are not liable to cough up payments if you have been a victim of fraud or scams</a> <a href="https://www.businessinsider.in/business/startups/news/cred-which-rewards-you-for-paying-your-credit-card-bills-is-reportedly-indias-latest-unicorn/articleshow/81523219.cms">CRED, which rewards you for paying your credit card bills, is reportedly India’s latest unicorn as its valuation more than doubles in two months</a>

Paytm is betting big on UPI and though it’s still a distant third, analysts believe it could have an edge over PhonePe and Google Pay

This is a preview of a five-part slide deck from <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Business Insider Intelligence</a>. To learn more about Business Insider Intelligence, <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">click here</a>. The pace of change in financial services has never been faster. In only the first quarter of 2019, Apple Card sent a shock wave through the credit card space, FIS' $35 billion Wirecard acquisition set a record in the payments industry, and Fifth Third's acquisition of MB Financial minted a new top-five bank. Looking ahead, the mix of investor capital, sweeping global regulations, technological developments, and financial services globalization will promise to ignite more major developments before the year ends. The incumbent banking and payment providers presiding over this landscape will face a mounting challenge to keep up. Firms must stay ahead of technology demands, preserve their bottom lines, grow their customer bases, and stay on the right side of regulators. Meanwhile, fintech threats keep growing in scale and breadth, buoyed by disruptive business models, agility, an advantageous regulatory position, and low overhead. These companies are reaching ever further across the financial services value chain, from banking to insurance, wealth management, and payments. In THE FUTURE OF FINTECH 2019, Business Insider Intelligence's fintech research team analyzes the five most important megatrends reshaping financial services with detailed data, analysis, and and actionable insights for financial services providers. Here are some key takeaways from the 130+ slide deck:<ul><li>New geographical fintech centers, investor focus on late-stage mega-rounds, and the emergence of specialized fintech funds are driving a surge in funding.</li><li>The global open banking movement, led by regulators in most countries and industry players in some, is reshaping financial services and winning strategies to take advantage of this shift are emerging.</li><li>As fintechs and tech companies are broadening their payments and banking offerings beyond core services, incumbent firms are forced to shore up their defenses.</li><li>Increasing regulatory scrutiny is driving change in the financial services industry, making winners and losers of incumbents, entrants, and consumers. </li><li>Technologies like AI and blockchain are moving from hype to reality, creating threats and opportunities. </li></ul>In full, the deck:<ul><li>Analyzes the five largest megatrends shaping financial services</li><li>Identifies the best-of-breed providers getting ahead of industry developments</li><li>Outlines key strategies other firms can use to mirror their success</li></ul>Interested in getting the full report? Here are two ways to access it:<ol><li>Purchase &amp; download the full report from our research store. &gt;&gt;<a href="https://www.businessinsider.com/intelligence/research-store?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=full_report_text&amp;itm_term=store_text_link-future-of-fintech&amp;vertical=fintech#!/The-Future-of-Fintech/p/134942957/category=18669713">Purchase &amp; Download Now</a></li><li>Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. &gt;&gt; <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=learn_more_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Learn More Now</a></li></ol>The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of Fintech.The companies mentioned in the report are: Apple, Alibaba, Amazon, Ant Financial, Bank of America, Barclays, BBVA, BNP Paribas, BPCE, Brex, Credit Suisse, Circle, Citi, Clover, Danske Bank, Facebook, Fidelity, Flipkart, Grab, Goldman Sachs, Google, HSBC, IBM, ING Lemonade, JPMorgan Chase, MarketInvoice, Monzo, MUFG, N26, Nubank, OnDeck, Paypal, Paytm, PensionBee, Plaid, Policybazaar, PNC, R3, RBS, Ribbit Capital Robinhood, TransferWise, Toss, Simudyne, SBI Holdings, Square, SoftBank, Starling, Viola Group, Wealthify, Wealthsimple, and Wells Fargo, among others<a href="https://store.businessinsider.com/collections/pro/products/payments-commerce-briefing-subscription?IR=T&amp;itm_source=businessinsider&amp;itm_medium=ctgr_bii&amp;itm_term=ctgr_subscription&amp;itm_content=paypal&amp;itm_campaign=payments-commerce-briefing-subscription-2"></a>

THE FUTURE OF FINTECH 2019: The five megatrends reshaping the financial services value chain

This is a preview of a five-part slide deck from <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Business Insider Intelligence</a>. To learn more about Business Insider Intelligence, <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">click here</a>. The pace of change in financial services has never been faster. In only the first quarter of 2019, Apple Card sent a shock wave through the credit card space, FIS' $35 billion Wirecard acquisition set a record in the payments industry, and Fifth Third's acquisition of MB Financial minted a new top-five bank. Looking ahead, the mix of investor capital, sweeping global regulations, technological developments, and financial services globalization will promise to ignite more major developments before the year ends. The incumbent banking and payment providers presiding over this landscape will face a mounting challenge to keep up. Firms must stay ahead of technology demands, preserve their bottom lines, grow their customer bases, and stay on the right side of regulators. Meanwhile, fintech threats keep growing in scale and breadth, buoyed by disruptive business models, agility, an advantageous regulatory position, and low overhead. These companies are reaching ever further across the financial services value chain, from banking to insurance, wealth management, and payments. In THE FUTURE OF FINTECH 2019, Business Insider Intelligence's fintech research team analyzes the five most important megatrends reshaping financial services with detailed data, analysis, and and actionable insights for financial services providers. Here are some key takeaways from the 130+ slide deck:<ul><li>New geographical fintech centers, investor focus on late-stage mega-rounds, and the emergence of specialized fintech funds are driving a surge in funding.</li><li>The global open banking movement, led by regulators in most countries and industry players in some, is reshaping financial services and winning strategies to take advantage of this shift are emerging.</li><li>As fintechs and tech companies are broadening their payments and banking offerings beyond core services, incumbent firms are forced to shore up their defenses.</li><li>Increasing regulatory scrutiny is driving change in the financial services industry, making winners and losers of incumbents, entrants, and consumers. </li><li>Technologies like AI and blockchain are moving from hype to reality, creating threats and opportunities. </li></ul>In full, the deck:<ul><li>Analyzes the five largest megatrends shaping financial services</li><li>Identifies the best-of-breed providers getting ahead of industry developments</li><li>Outlines key strategies other firms can use to mirror their success</li></ul>Interested in getting the full report? Here are two ways to access it:<ol><li>Purchase &amp; download the full report from our research store. &gt;&gt;<a href="https://www.businessinsider.com/intelligence/research-store?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=full_report_text&amp;itm_term=store_text_link-future-of-fintech&amp;vertical=fintech#!/The-Future-of-Fintech/p/134942957/category=18669713">Purchase &amp; Download Now</a></li><li>Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. &gt;&gt; <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=learn_more_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Learn More Now</a></li></ol>The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of Fintech.The companies mentioned in the report are: Apple, Alibaba, Amazon, Ant Financial, Bank of America, Barclays, BBVA, BNP Paribas, BPCE, Brex, Credit Suisse, Circle, Citi, Clover, Danske Bank, Facebook, Fidelity, Flipkart, Grab, Goldman Sachs, Google, HSBC, IBM, ING Lemonade, JPMorgan Chase, MarketInvoice, Monzo, MUFG, N26, Nubank, OnDeck, Paypal, Paytm, PensionBee, Plaid, Policybazaar, PNC, R3, RBS, Ribbit Capital Robinhood, TransferWise, Toss, Simudyne, SBI Holdings, Square, SoftBank, Starling, Viola Group, Wealthify, Wealthsimple, and Wells Fargo, among others<a href="https://www.businessinsider.com/intelligence/30-big-tech-predictions-for-2020?IR=T&amp;itm_source=businessinsider&amp;itm_medium=ctgr_bii&amp;itm_term=ctgr_leadgen&amp;itm_content=amazon&amp;itm_campaign=30-big-tech-predictions-for-2020"></a>

This is a preview of a five-part slide deck from <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Business Insider Intelligence</a>. To learn more about Business Insider Intelligence, <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">click here</a>. The pace of change in financial services has never been faster. In only the first quarter of 2019, Apple Card sent a shock wave through the credit card space, FIS' $35 billion Wirecard acquisition set a record in the payments industry, and Fifth Third's acquisition of MB Financial minted a new top-five bank. Looking ahead, the mix of investor capital, sweeping global regulations, technological developments, and financial services globalization will promise to ignite more major developments before the year ends. The incumbent banking and payment providers presiding over this landscape will face a mounting challenge to keep up. Firms must stay ahead of technology demands, preserve their bottom lines, grow their customer bases, and stay on the right side of regulators. Meanwhile, fintech threats keep growing in scale and breadth, buoyed by disruptive business models, agility, an advantageous regulatory position, and low overhead. These companies are reaching ever further across the financial services value chain, from banking to insurance, wealth management, and payments. In THE FUTURE OF FINTECH 2019, Business Insider Intelligence's fintech research team analyzes the five most important megatrends reshaping financial services with detailed data, analysis, and and actionable insights for financial services providers. Here are some key takeaways from the 130+ slide deck:<ul><li>New geographical fintech centers, investor focus on late-stage mega-rounds, and the emergence of specialized fintech funds are driving a surge in funding.</li><li>The global open banking movement, led by regulators in most countries and industry players in some, is reshaping financial services and winning strategies to take advantage of this shift are emerging.</li><li>As fintechs and tech companies are broadening their payments and banking offerings beyond core services, incumbent firms are forced to shore up their defenses.</li><li>Increasing regulatory scrutiny is driving change in the financial services industry, making winners and losers of incumbents, entrants, and consumers. </li><li>Technologies like AI and blockchain are moving from hype to reality, creating threats and opportunities. </li></ul>In full, the deck:<ul><li>Analyzes the five largest megatrends shaping financial services</li><li>Identifies the best-of-breed providers getting ahead of industry developments</li><li>Outlines key strategies other firms can use to mirror their success</li></ul>Interested in getting the full report? Here are two ways to access it:<ol><li>Purchase &amp; download the full report from our research store. &gt;&gt;<a href="https://www.businessinsider.com/intelligence/research-store?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=full_report_text&amp;itm_term=store_text_link-future-of-fintech&amp;vertical=fintech#!/The-Future-of-Fintech/p/134942957/category=18669713">Purchase &amp; Download Now</a></li><li>Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. &gt;&gt; <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=learn_more_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Learn More Now</a></li></ol>The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of Fintech.The companies mentioned in the report are: Apple, Alibaba, Amazon, Ant Financial, Bank of America, Barclays, BBVA, BNP Paribas, BPCE, Brex, Credit Suisse, Circle, Citi, Clover, Danske Bank, Facebook, Fidelity, Flipkart, Grab, Goldman Sachs, Google, HSBC, IBM, ING Lemonade, JPMorgan Chase, MarketInvoice, Monzo, MUFG, N26, Nubank, OnDeck, Paypal, Paytm, PensionBee, Plaid, Policybazaar, PNC, R3, RBS, Ribbit Capital Robinhood, TransferWise, Toss, Simudyne, SBI Holdings, Square, SoftBank, Starling, Viola Group, Wealthify, Wealthsimple, and Wells Fargo, among others<a href="https://www.businessinsider.com/intelligence/40-big-tech-predictions-for-2019?IR=T&amp;itm_source=businessinsider&amp;itm_medium=ctgr_bii&amp;itm_term=ctgr_leadgen&amp;itm_content=amazon&amp;itm_campaign=40-big-tech-predictions-for-2019-2"></a>

<ul class="summary-list"><li>This is a preview of THE PAYMENTS FORECAST BOOK 2019 research report from Business Insider Intelligence.</li><li><a href="https://www.businessinsider.com/intelligence/bi-intelligence-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-the-payments-forecast-book-report-2019-6">14-Day Risk Free Trial: Get full access to this and all Payments industry research reports.</a></li></ul>As cash usage declines slowly worldwide, the digital payments ecosystem is swelling around the globe: Noncash transactions are poised to exceed 1 trillion for the first time in 2023, driven by increased card penetration, wider access to mobile phones, and more access to payments infrastructure. In emerging markets, these changes will be driven by Asia, which remains at the helm of digital transformation in payments as customers in major markets like China, India, and Southeast Asia flock to wallets like Alipay and Paytm and super-apps like WeChat and Grab in lieu of cash and cards for their payments, both online and in-store.Change looks different in mature markets like the US, where the overall expansion of the digital payments market will remain more tempered, but mobile's impact will surge as customers move from PCs to mobile and other emerging connected devices for their online shopping, and replace small-dollar cash P2P transactions with mobile apps like Venmo and Zelle. For providers looking to make inroads in the space, understanding the dynamics of these changes will be key to growth.In the 2019 edition of the <a href="https://intelligence.businessinsider.com/post/the-payments-forecast-book-2019-22-forecasts-of-global-payment-industrys-most-impactful-trends-and-whats-driving-them-2019-6">Payments Forecast Book</a>, Business Insider Intelligence will forecast growth in the major sectors of the payments ecosystem worldwide, with a particular look at the US market.The forecast book, presented as a slide deck, highlights change by region in areas like noncash transactions, e-commerce, card adoption, and terminal penetration, and examines key areas of change, including contactless transactions, fraud, and mobile payments. Within each category, it provides insight into what the market will look like in 2024 and identifies key factors that will accelerate and inhibit growth.The companies mentioned in this report are: Affirm, Alibaba, Amazon, Clover, Discover, Google, Grab, iZettle, NACHA, Klarna, Mastercard, PayPal, Square, Starbucks, The Clearing House, Venmo, Visa, Verifone, Zelle,Here are some key takeaways from the report:<ul><li>Globally, noncash transactions will exceed 1 trillion in 2024, driven by growth in APAC, which will comprise 40% of transactions by 2024.</li><li>Card adoption will grow rapidly in markets like Latin America and the Middle East to 2024, but stagnate in sub-Saharan Africa, where customers largely transact through nonbank methods.</li><li>US retail spending will grow modestly, but e-commerce will nearly double its share of total retail sales by 2024 as customers do more everyday shopping online.</li><li>Card payments will tick up as US customers continue to abandon cash, but mobile will remain the brightest growth driver, coming to comprise 44% of the $1.9 trillion in e-commerce and 68% of the $760 billion in P2P payments in 2024.</li></ul>In full, the report:<ul><li>Identifies big-picture trends moving the needle in the payments ecosystem both globally and in the US.</li><li>Forecasts growth in key sectors, including noncash transactions, card and terminal penetration, fraud, e-commerce, and mobile payments, through 2024.</li><li>Discusses what the global payments market will look like in 2024, and how that differs from the present.</li><li>Highlights key growth engines and inhibitors that will drive change between now and 2024.</li></ul>Interested in getting the full report? Here are two ways to access it:<ol><li>Purchase &amp; download the full report from our research store. &gt;&gt;<a href="https://store.businessinsider.com/products/the-payments-forecast-book?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=full_report_text&amp;itm_term=store_text_link-the-payments-forecast-book-report-2019-6&amp;vertical=payments#!/">Purchase &amp; Download Now</a></li><li>Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. &gt;&gt; <a href="https://www.businessinsider.com/intelligence/bi-intelligence-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=learn_more_text&amp;itm_term=bundle_subscription_text_link-the-payments-forecast-book-report-2019-6">Learn More Now</a></li></ol>The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of digital payments.

THE PAYMENTS FORECAST BOOK 2019: 22 forecasts of the global payments industry's most impactful trends - and what's driving them

<div class="KonaFilter image-container display-table no-rightrail"><div><div class="image"></div></div></div>This is a preview of a five-part slide deck from <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Business Insider Intelligence</a>. To learn more about Business Insider Intelligence, <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=top_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">click here</a>. The pace of change in financial services has never been faster. In only the first quarter of 2019, Apple Card sent a shock wave through the credit card space, FIS' $35 billion Wirecard acquisition set a record in the payments industry, and Fifth Third's acquisition of MB Financial minted a new top-five bank. Looking ahead, the mix of investor capital, sweeping global regulations, technological developments, and financial services globalization will promise to ignite more major developments before the year ends. The incumbent banking and payment providers presiding over this landscape will face a mounting challenge to keep up. Firms must stay ahead of technology demands, preserve their bottom lines, grow their customer bases, and stay on the right side of regulators. Meanwhile, fintech threats keep growing in scale and breadth, buoyed by disruptive business models, agility, an advantageous regulatory position, and low overhead. These companies are reaching ever further across the financial services value chain, from banking to insurance, wealth management, and payments. In THE FUTURE OF FINTECH 2019, Business Insider Intelligence's fintech research team analyzes the five most important megatrends reshaping financial services with detailed data, analysis, and and actionable insights for financial services providers. Here are some key takeaways from the 130+ slide deck:<ul><li>New geographical fintech centers, investor focus on late-stage mega-rounds, and the emergence of specialized fintech funds are driving a surge in funding.</li><li>The global open banking movement, led by regulators in most countries and industry players in some, is reshaping financial services and winning strategies to take advantage of this shift are emerging.</li><li>As fintechs and tech companies are broadening their payments and banking offerings beyond core services, incumbent firms are forced to shore up their defenses.</li><li>Increasing regulatory scrutiny is driving change in the financial services industry, making winners and losers of incumbents, entrants, and consumers. </li><li>Technologies like AI and blockchain are moving from hype to reality, creating threats and opportunities. </li></ul>In full, the deck:<ul><li>Analyzes the five largest megatrends shaping financial services</li><li>Identifies the best-of-breed providers getting ahead of industry developments</li><li>Outlines key strategies other firms can use to mirror their success</li></ul>Interested in getting the full report? Here are two ways to access it:<ol><li>Purchase &amp; download the full report from our research store. &gt;&gt;<a href="https://www.businessinsider.com/intelligence/research-store?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=full_report_text&amp;itm_term=store_text_link-future-of-fintech&amp;vertical=fintech#!/The-Future-of-Fintech/p/134942957/category=18669713">Purchase &amp; Download Now</a></li><li>Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. &gt;&gt; <a href="https://www.businessinsider.com/intelligence/bi-intelligence-fintech-and-payments-research-bundle?IR=T&amp;itm_source=businessinsider&amp;itm_medium=content_marketing&amp;itm_campaign=report_teaser&amp;itm_content=learn_more_text&amp;itm_term=bundle_subscription_text_link-future-of-fintech">Learn More Now</a></li></ol>The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of Fintech.The companies mentioned in the report are: Apple, Alibaba, Amazon, Ant Financial, Bank of America, Barclays, BBVA, BNP Paribas, BPCE, Brex, Credit Suisse, Circle, Citi, Clover, Danske Bank, Facebook, Fidelity, Flipkart, Grab, Goldman Sachs, Google, HSBC, IBM, ING Lemonade, JPMorgan Chase, MarketInvoice, Monzo, MUFG, N26, Nubank, OnDeck, Paypal, Paytm, PensionBee, Plaid, Policybazaar, PNC, R3, RBS, Ribbit Capital Robinhood, TransferWise, Toss, Simudyne, SBI Holdings, Square, SoftBank, Starling, Viola Group, Wealthify, Wealthsimple, and Wells Fargo, among others <a href="https://www.businessinsider.com/intelligence/40-big-tech-predictions-for-2019?IR=T&amp;itm_source=businessinsider&amp;itm_medium=ctgr_bii&amp;itm_term=ctgr_leadgen&amp;itm_content=amazon&amp;itm_campaign=40-big-tech-predictions-for-2019-2"></a>

You Searched For "advantages of paytm card" and got 11 results

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