Business models in a consolidated and converging payments world

Andreas Pratz

Journal of Payments Strategy & Systems, 2009, vol. 3, issue 3, 194-203

Abstract: The payments business is undergoing a significant transformation: markets are integrating regionally across Europe; processors are consolidating scale; bulk and urgent payments are converging; regulators are questioning the traditional economic framework; and retailers and mobile operators are on the verge of becoming payment service providers. These developments in the European payments landscape could become the inflection point for a payments end-game beyond Europe. This paper examines the forces shaping the payments landscape, analyses the building blocks of the emerging end-game, and examines five successful business models to enable payment institutions to be in position for this outcome.

Keywords: payments strategy; payment volumes; business models; SEPA and PSD; cards; cash displacement; financial supply chain management (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2009
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Persistent link: https://EconPapers.repec.org/RePEc:aza:jpss00:y:2009:v:3:i:3:p:194-203

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