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Submitted URL: https://email.volantetech.com/e3t/Ctc/OS+113/d32Fcr04/VVClQN7JsNDDW3qGyg98J5dcKW7qxXbD55mp5LN6crjpM3qgyTW8wLKSR6lZ3mfW6WbXs87v...
Effective URL: https://www.volantetech.com/payments-modernization-where-does-the-industry-stand-today/?utm_campaign=Blogs&utm_medium=email&...
Submission: On November 02 via api from OM — Scanned from DE
Effective URL: https://www.volantetech.com/payments-modernization-where-does-the-industry-stand-today/?utm_campaign=Blogs&utm_medium=email&...
Submission: On November 02 via api from OM — Scanned from DE
Form analysis 2 forms found in the DOM
GET https://www.volantetech.com
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<legend class="hs-field-desc" style="display: block;">Country</legend>
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<option value="Bouvet Island">Bouvet Island</option>
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<option value="Democratic Republic of the Congo">Democratic Republic of the Congo</option>
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<option value="East Timor">East Timor</option>
<option value="Ecuador">Ecuador</option>
<option value="Egypt">Egypt</option>
<option value="El Salvador">El Salvador</option>
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<option value="Europe">Europe</option>
<option value="Falkland Islands">Falkland Islands</option>
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<option value="French Southern and Antarctic Lands">French Southern and Antarctic Lands</option>
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<option value="Greenland">Greenland</option>
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<option value="Lebanon">Lebanon</option>
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<option value="Liberia">Liberia</option>
<option value="Libya">Libya</option>
<option value="Liechtenstein">Liechtenstein</option>
<option value="Lithuania">Lithuania</option>
<option value="Luxembourg">Luxembourg</option>
<option value="Macau">Macau</option>
<option value="Macedonia (FYROM)">Macedonia (FYROM)</option>
<option value="Madagascar">Madagascar</option>
<option value="Malawi">Malawi</option>
<option value="Malaysia">Malaysia</option>
<option value="Maldives">Maldives</option>
<option value="Mali">Mali</option>
<option value="Malta">Malta</option>
<option value="Marshall Islands">Marshall Islands</option>
<option value="Martinique">Martinique</option>
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<option value="Mauritius">Mauritius</option>
<option value="Mayotte">Mayotte</option>
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<p>I have read Volante's <a href="https://www.volantetech.com/contact/" target="_blank" rel="noopener">Privacy Policy</a>.</p><span class="hs-form-required">*</span>
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<legend class="hs-field-desc checkbox-desc" style="display: none;"></legend>
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<div class="hs_submit hs-submit">
<div class="hs-field-desc" style="display: none;"></div>
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Payments Modernisation: The Big Survey 2023
Volante’s 2023 “Big Survey” on payments modernization: Key trends shaping global
priorities & investments in new payments solutions
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PAYMENTS MODERNISATION: WHERE DOES THE INDUSTRY STAND TODAY?
Nadish Lad
Global Head of Strategic Business, Volante Technologies
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The finance industry moves fast, and staying ahead of the curve is imperative.
As market dynamics continue to reshape traditional payment systems, financial
institutions are focusing on payments modernisation.
This article explores some of the insights that emerge from the “Payments
Modernisation: The Big Survey,” conducted by Volante and Finextra. This survey
serves as a compass, guiding industry players through the shifting landscape
while shedding light on key drivers, emerging trends, and the path forward in
payments modernization.
STATE OF THE INDUSTRY
In the wake of the COVID-19 pandemic, the financial services industry is
experiencing a seismic shift. As the world embraces digitization, several key
drivers are reshaping the landscape. Our report delves into the specifics,
highlighting the impact of real-time payments, cross-border transactions, new
mandates, and regulations.
As digitization continues to shape the lives of an expanding population,
electronic payments have become a pivotal force. With each passing day, cashless
transactions are becoming the norm. In light of this, 72% of banks are
increasing their budgets for payments modernisation.
The industry recognizes its crucial role in fostering financial inclusion,
making it a top priority. By embracing digital payment solutions, financial
institutions aim to empower individuals and businesses, ensuring that no one is
left behind in the rapidly evolving financial ecosystem.
Moreover, electronic payments are enabling the development of digital economies.
By providing the infrastructure for seamless and secure transactions, payments
are fueling innovation and propelling economic growth. They serve as the stable
backbone that underpins the functioning of our economies, enabling the exchange
of value and commerce in our global economy.
In this new era, the industry is focused on the efficiency, security, and
accessibility of electronic payments. Technological advancements and regulatory
frameworks work in harmony to create an environment that helps meet those needs.
OUR METHODOLOGY
Drawing upon the previous years’ research, “Payments Modernisation: The Big
Survey” explores ongoing priorities within payments modernisation. It focuses on
the growth of partnerships, cloud-based solutions, and account-to-account
payment applications across corporate, SME, and retail sectors.
With a global scope, the 2023 survey received a robust response of 300
participants, representing a diverse mix of C-level executives, senior
management, directors, and VPs.
KEY FINDINGS
THE RISE OF CLOUD-BASED PAYMENTS INFRASTRUCTURE
In the world of payments modernization, one statistic stands out: 90% of
respondents embraced or planned to leverage cloud-based payments infrastructure.
This shift signifies a departure from traditional models, as financial
institutions seek scalable, cost-effective alternatives that can adapt to the
evolving demands of the industry.
THE IMMINENT DAWN OF NEW PAYMENT SOLUTIONS
The survey paints a picture of anticipation, as 67% of respondents plan to
implement new payment solutions within the next year. The urgency is clear, with
41% aiming for implementation within the next six months and an additional 26%
within the subsequent year. The industry recognizes the need to embrace change
and adapt to the dynamic future landscape.
THE WINDS OF CHANGE SWEEP ACROSS NORTH AMERICA
Change is happening across North America, where 60% of respondents indicate a
significant shift toward hybrid cloud models. Recent outages have served as a
clarion call, renewing a commitment to fortifying payment systems with enhanced
resiliency and reliability.
PAYMENTS-AS-A-SERVICE FORGES NEW PATHWAYS
A shift sees financial institutions increasingly rely on strategic partners,
with 40% of respondents embracing vendor-provided Payments-as-a-Service (PaaS)
offerings. This fourfold increase from the previous year shows a fundamental
change in the industry’s approach. Amid economic conditions and innovative
developments, partnerships become essential catalysts for accelerating payment
modernisation plans.
UNVEILING THE CUSTOMERS’ PAIN POINTS
The survey unearths the customers’ pain points, revealing two dominant concerns:
* The foremost pain point, cited by 79% of respondents, revolves around access
to real-time or intraday liquidity management.
* Following closely, at 75%, is the perennial issue of cost.
In Europe, the urgency of these pain points is further amplified, with 82% of
respondents expressing their concerns about real-time liquidity management.
DRIVING FORCES BEHIND INVESTMENT IN PAYMENTS MODERNISATION
Banks are influenced by several driving forces when it comes to investment in
payments modernisation. Reducing costs takes the lead, with 79% of respondents
prioritizing this objective. The quest to meet customer demands for value-added
services and limit system risks also feature prominently. These driving forces
underscore the industry’s dedication to enhancing efficiency, security, and
customer satisfaction.
A FOCUS ON STREAMLINED CROSS-BORDER PAYMENTS
Efficiency in cross-border payments emerges as a priority, as 37% of customers
highlight its significance, up from 28% in the previous year. The
interconnectedness of the global economy demands streamlined processes and
cost-effective solutions, pushing financial institutions to forge new paths in
this domain.
WATCH THIS SPACE
The “Payments Modernisation: The Big Survey” reveals a future filled with
opportunities and challenges.
As the industry embraces change, the forthcoming white paper promises to provide
even deeper insights, empowering financial institutions to carve a path toward a
secure, efficient, and customer-centric payment ecosystem. This collective
endeavor will shape a future where innovation, exceptional payment experiences,
and successful organizations converge.
DOWNLOAD “Payments Modernisation: The BIG SURVEY”
Nadish Lad
Global Head of Strategic Business, Volante Technologies
Nadish is responsible for managing the strategy, roadmap and design of Payments
propositions for Volante Technologies, adding new innovative products in the
evolving digital world.
TOPICS
* Payments Modernization
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