Competition in retail digital payments

Daniele Natalizi and Vatsala Shreeti

No 127, BIS Bulletins from Bank for International Settlements

Abstract: Retail payments have digitalised rapidly in both advanced economies and emerging market and developing economies.Digitalisation has altered the competitive landscape, with new entrants (eg fintechs and big techs) and new technologies, yet incumbent banks and card networks retain their dominant position in key markets.In their role as operators, overseers and catalysts in payment systems, central banks support competition in diverse ways, depending on their mandates and institutional arrangements.

Pages: 8 pages
Date: 2026-07-13
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