US Payments – Where to Invest

New Payment Experiences

Topics today (pardon the typos)

  • Are US payments still an attractive area for investment and growth? If so, where are the opportunities?
  • High level view of the payment landscape and areas of friction
  • Consumer Journey –  how to unlock new consumer experiences
  • Where will innovation come from? 
  • Core areas for improvement?
  • Who are the best providers? Wallets as the new metaphor
  • Challenges with Issuer-led innovation (ie PAZE)

The top questions coming out of Money 2020 were: is the US payments environment maturing? Are there still opportunities for break out growth? Where? Who is best positioned and why?  Today I will be taking part of that on. 

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Apple – #1 Payment Innovator

As Apple is set to launch the iPhone 14 today, I was thinking about the significance of ApplePay’s innovations to V/MA and how these innovations benefit the entire network of merchants and consumers. Making payments easy is hard… Apple is the lead “innovator” within the V/MA networks at the consumer touchpoint (with Google, Samsung, PayPal and others in the mix). Their “wallet” and branded integration into both POS AND mCom is unrivaled and represents 93% of all mobile wallet payments in the US (2021).

This 2021 Pulse Network Debit Whitepaper provides the best public view on performance (US Only), with TPV CAGR over 50%. Quite frankly, when it comes to mobile payments, it’s silly to talk about anything else by ApplePay in the US

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