Fintech and payment instruments

Just a decade ago, the low-value payment instruments business was seemingly invisible because it was considered merely instrumental and innocuous (without major economic and social externalities). Today, however, it occupies a privileged place on the agendas of all stakeholders. In an increasingly complex and competitive world, it is essential to anticipate and understand global, regional, and local trends, to move forward decisively with digital transformation, and to join forces and capabilities with third parties—notably fintech companies—to expand the scope and ensure the provision of payment services that 21st-century society needs.

The trend toward omnidigitization of payments is strong in all geographies, and although each market maintains its own personality and peculiarities, as well as its own regulatory and institutional framework, they are all moving toward a kind of paradigm in which the authorities, originally relegated to a supervisory role, are taking on an increasingly prominent role, motivated by three major forces that have emerged globally: inclusion, geopolitics, and digitization.

We have extensive experience and recent references in the analysis of trends related to the world of retail payments in numerous countries, in accompanying and supporting regulatory strategies, identifying business opportunities, and clarifying the functioning and participants in the low-value payments industry.