Tokenization has evolved from a regulatory formality into one of the most commercially powerful levers in modern payments. In 2025, an estimated 35% of global transactions are tokenized, and a significant share of e-commerce volume already runs on network tokens rather than raw PANs. The industry-wide shift is clear: tokenization is no longer just about […]
Across MENAP, Africa, South Asia, and Southeast Asia, fintechs are rethinking one of the most foundational layers of their payment infrastructure — the gateway. Digital payments in these regions continue to grow at double-digit CAGR, with APAC alone expected to surpass USD 25 billion in payment gateway revenues by 2033, driven by mobile wallets, local […]
For experienced merchants, platforms, and fintech teams, the real question is not “Which provider is cheaper?” but “Which operating model best matches our scale, control needs, regulatory appetite, and roadmap for the next 3–5 years?” The global payment gateway market is projected to reach well over USD 80–90 billion before 2030, while the payment aggregator […]
For nearly two decades, PCI DSS has served as the foundational security framework for card payments. Compliance has always been treated as the minimum acceptable baseline: encrypt data, segment networks, restrict access, maintain logs. But the payments ecosystem of 2026 looks nothing like that of 2006. Today’s infrastructure spans cloud-native gateways, multi-acquirer routing, third-party orchestration […]
In late 2025, the UAE and China successfully completed CBDC-based cross-border transactions using mBridge, a multi-CBDC platform jointly built by the BIS Innovation Hub, the People’s Bank of China (PBOC), the Central Bank of the UAE (CBUAE), the Hong Kong Monetary Authority (HKMA), and the Bank of Thailand. CBDCs can technically settle cross-border value in […]
In 2026, Stripe, Checkout.com, Adyen and a handful of regional players collectively process hundreds of billions of dollars in online payments each year. Yet an increasing number of mid‑market fintechs, PSPs, marketplaces, and vertical SaaS platforms are asking a high‑stakes question: “Should we keep renting someone else’s gateway—or build our own?” Well a proprietary or […]
2026 marks a decisive turning point in financial technology. As global digital payment volumes cross $170 trillion—up from $156 trillion in 2025—fintech leaders are confronting an uncomfortable truth: SaaS, once celebrated for its speed and simplicity, has become an expensive ceiling on long-term innovation, margin, and competitive control. In the early years of a fintech’s […]
Fintech Founder’s Checklist: 7 Questions to Ask Before Building Your Payment Platform The global digital payments market is projected to surpass $156 trillion by 2025, growing at a 12% CAGR. For fintech founders and enterprise CXOs, deciding whether to build a proprietary payment platform is both a strategic opportunity and a high-stakes challenge. Owning your […]
In 2025, the global digital payments market exceeds $156 trillion, growing at over 12% annually. BigTech giants and large corporates are increasingly moving away from third-party processors to build proprietary payment gateways. This strategic shift is driven by the need for operational control, cost efficiency, regulatory compliance, superior customer experience, and first-party data ownership. Companies […]
2025 Trends: How Banks Are Modernizing Their Gateway Infrastructure Introduction: The Urgency of Modernization In 2025, banks across the globe face an inflection point in their payment infrastructure. The digital payments market is projected to surpass $156 trillion, growing at over 12% annually, according to the World Economic Forum. Traditional monolithic gateways—once the backbone of […]
