Consumer Finance

Embedded finance has been rapidly evolving from non-digital to digital. If finance is the fuel for the economy, then digital embedded finance is the invisible aviation grade fuel powering jets of digital businesses. Supportive regulations, improving…

From a product perspective, embedded payment market competition has been intensified with digital players, which are challenging the card operators. For deposit and lending, leading banks such as Goldman Sachs and CIMB have made their names in the…

Embedded finance is the critical factor to improve customer journey and drive transformation for services industries.. With travel recovery and sluggish volume sales of automotives, embedded finance is considered to have the most potential to build…

Embedded finance is a critical factor in improving the customer journey and driving transformation. Leading embedded finance partners enable non-financial clients to offer diversified financial products and services, with simplified integration,…

Global cross-border transaction market is projected to exceed USD40 trillion in 2028, largely driven by trading. Fast, low cost and secure became the three key service requirements of embedded cross-border transaction solutions, while local…

The Southeast Asian market has evolved to version 2.0, positioning ASEAN as a pivotal component in local and global investors' strategies. With a rising cost of capital amid tightening monetary policies, long-term structural shifts in demographics…

The use of cash continues to lose out to electronic direct/ACH and card payments in the Asia Pacific region, although paper transactions still remain important in some countries. Digital wallets continue gaining in popularity due to their…

Financial cards and payments were significantly impacted by Coronavirus (COVID-19) in 2020, with the pandemic still affecting the industry in 2021. However, after the decline in consumer payment transactions value in 2020, a return to positive growth…

Ongoing trends continued to be seen in 2023, with the use of cash declining and the digital transformation of financial cards and payments markets in the region a major theme in Latin America. Be it the Pix instant payments system in Brazil or the…

While consumers in the Middle East and Africa region continue to increase their usage of card payments and the digitalisation of the financial industry also continues to advance, cash still remains important in many countries, especially the African…

Total transactions value growth slowed in Western Europe in 2023, with many consumers’ spending impacted by the still high inflation rates. Paper payments remained in decline, with electronic direct/ACH payments continuing to grow. Card payment…

Fintech is transforming financial products and services at a rapid rate globally. In Europe, regulation aimed at encouraging competition has increased the number and reach of fintechs. P2P platforms are becoming more popular and are moving into other…

“Fintech’s next phase” refers to the greater integration of fintech with commerce. Fintech companies are innovating to increase access to financial products and services, improve the security of payments, increase funding, and enhance the merchant…

This briefing continues a series devoted to exploring challenges, opportunities and innovation in different foodservice payment environments. Sports and entertainment venues are a critical component of leisure foodservice purchases worldwide and have…

The Coronavirus (COVID-19) has had a significant impact on football tourism. As both the sports and travel industries struggle to recover, the impact on travelling football fans and tourism companies could be greater and longer lasting than for other…

Generation Z, comprising one-fifth of the global population, is poised to wield significant consumer influence. However, their polarized behaviours toward social activism, technology, and spending present challenges for businesses. This report…

Ecosystem partnerships is a critical factor for rapid scaling of leading digital wallets globally. Key usage factors are convenience, enhanced security and wide merchant acceptance. The short term focus includes cross-border transactions and…

Businesses globally face challenges in consumer markets in the short to medium term, owing to the rising cost of living and increasingly financially cautious consumers. Amidst uncertainty arise opportunities. Income and expenditure insights are…

This report examines inflation levels and drivers globally and in key countries. In 2023, global inflation is expected to ease from its peak in 2022, but remaining significantly above-trend. Geopolitical risks and uncertainty in the energy market are…

This report examines inflation levels and drivers globally and in key countries in 2024. Global inflation is moderating, although divergence among the key economies remains. Supply chain and commodities markets disruptions remain the key risks for…