Payments and Commerce Market Intelligence (PCMI) helps the world’s top payment and technology companies make strategic decisions in emerging markets through research, data analysis and innovative strategic thinking. PCMI is a subsidiary of Americas Market Intelligence (AMI), the leading market intelligence company for Latin America. PCMI’s founders have more than four decades of market intelligence experience and have produced over 400 studies in the global payments industry, covering markets across Latin America, Africa, Asia and Europe. At PCMI, our philosophy is to be “more committed to our clients’ success than any other consultancy on earth.” To work with PCMI is to gain access to a team fiercely driven to see you realize your dreams. We honor the investment and trust placed in our hands when engaged by a client, and through love of what we do, inspired vision of the industry, and stern commitment to a high-quality standard, PCMI consultants are champions for their clients—both the individuals and the company they represent. We are all humans collectively working on goals, and we live for those moments in which our talents and gifts align with opportunities to help others thrive.
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Una mirada global sobre los medios de pago y su influencia en la economía… un tema de #ForoProsa 2024 con John Price de Payments and Commerce Market Intelligence, como #SpeakerProsa. #MediosDePago
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In the latest Payments and Commerce Market Intelligence #PCMIInsights article, FinTech Consulting CEO Marcia Klingensmith reveals how the current payments system puts SMBs in a bind. High credit card fees and hidden cash costs are eroding profits. But there's a solution: instant payments. Instant payments offer: * Cash Flow Optimization: Immediate settlement means no more waiting for funds, empowering you to seize opportunities and manage expenses. * Cost Savings: Lower transaction fees boost your bottom line. * Happier Customers: Offer a modern, convenient payment option that attracts new customers, especially younger demographics. * Room for Growth: Improved margins & faster payments let you innovate and expand your business. Key takeaways: * Instant payments benefit all players: Merchants get better cash flow, fintechs can create innovative solutions, and financial institutions attract and retain customers. * Specific industries, from trucking to hospitality, are already seeing the impact. * The time to embrace instant payments is now. Stay ahead of the curve and secure your business's future. Read the full article to uncover more insights and real-world examples. https://lnkd.in/eHw-2XFN #InstantPayments #SMBs #FinTech #PaymentsModernization #theFutureIsNow #InstantPaymentsMaven
Stablecoins are making waves globally, but are they a fit for India? Despite global growth, the Reserve Bank of India (RBI) raises concerns over dollarization and monetary policy risks. Combined with India's reliance on cash, trust in centralized institutions, and a significant digital divide, stablecoins may face an uphill battle in the market. 👇🏼 #Stablecoins #CBDC #DigitalCurrency #IndiaFinance #RBI
Technological advancements have fueled the gig economy in the US, with 40% of the workforce having side hustles in 2020. The gig economy is projected to reach $500 billion in gross revenue within 5 years. This shift presents a prime opportunity for financial service providers: 🏦 Banks: Offer tailored financial products to gig workers and freelancers. 🤖 Fintechs: Innovate with instant pay apps. 💱 Payment Networks: Capitalize on increased transaction volumes from instant pay. Read more in our article 👇🏼 https://buff.ly/4fsgzj3
E-commerce is a significant sub-component of the digital economy in the Philippines, contributing 1.2% to GDP and providing 8.4 million jobs, according to the Philippines Statistics Authority (2023). 👇🏼
Payments Products, Sales & Technology Expert | P&L Owner | Fintechs | First Who, Then What People 1st Team Builder & Coach
It's fascinating to observe the remarkable progress in #digital #growth and financial inclusion across various #LATAM markets. According to recent statistics by Payments and Commerce Market Intelligence (2024), many of these markets have made significant strides, often surprising those who haven't closely followed their developments. If you blink long enough, it would be easy to confuse which regions among those three the data belongs to. Interestingly, while the front-end consumer #technology is highly advanced now, many processors behind the #payment rails and flows are still relying on outdated systems: COBOL can only go so far in such a rapidly evolving digital world living in the #cloud, and moving at the speed of life. Fear of #modernization projects will only bring bigger #challenges to the #industry ahead. When then users are advancing faster than the systems that carry their payments...that's a problem. Ren Payments by Euronet, the right way to modernize your #issuing, #acquiring, #ATM and #InstantPayments processing #platform and #infraestructure. #DigitalGrowth #FinancialInclusion #LATAM #Technology #Payments
How AI is transforming banking and payments 👇🏼 Our latest insights explore three key use cases of generative AI in the financial sector: ❇️ Improving Fraud Detection: Enhanced capabilities to identify fraudulent activities. ❇️ Boosting Productivity and Code Development: AI assistants helping financial analysts and developers. ❇️ Personalizing Customer Experience: AI-driven customer support and personalized interactions. Read the full article to see how these innovations are shaping the future of finance. 👇🏼 https://buff.ly/4fsgzj3 #AI #Banking #Payments #Fintech #Innovation #FraudDetection #Productivity #CustomerExperience
#NigeriaPayments. In Nigeria, many online shoppers in Nigeria are still using cash-based payments, and these represented 23% of e-commerce sales as of 2023, followed by bank transfers (22%) and debit cards (20%).
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Head(Dean), School of Business @Monash University ||Top 50 global influencers in FinTech, Regtech,Blockchain & Cryptocurrency by Thinkers360 ||Making world a better place with Tech Regulation Research #RefinitivSocial100
#SEA is the world's fastest-growing region for #mobile #wallets & #A2A #payments Key insights from Payments and Commerce Market Intelligence ✅ #Digitalwallet fees in #SoutheastAsia, including transfer-in and transfer-out costs, as well as #credit #costs. ✅ #RTP fees in Southeast Asia, covering transfer-out costs, with key players such as BiFAST (Indonesia), DuitNow (Malaysia), Instapay Technologies Sdn Bhd (Philippines), PayNow (Singapore), Promptpay Solution (Thailand), and @napas(Vietnam). ✅ #Creditcard transaction fees in Southeast Asia, including transfer-out fees, maintenance frees and credit costs #Digitalpayment #FinTech #Finaerv #Ecommerce #Indonesia #Malaysia #Philippines #Singapore #Thailand #Vietnam #Regtech Mike Flache Francesco Burelli Tony Moroney Sam Boboev Efi Pylarinou Monica Jasuja Nicolas Babin Nicolas Pinto https://lnkd.in/gw3iur94
Digital wallets are the predominant e-commerce payment method in the entire Asia-Pacific region, accounting for 70% of transaction value in 2023, according to WorldPay. Although digital wallets perform well in the Philippines, their e-commerce transaction volume is not as significant as in markets like China (82%), India (56%), or Indonesia (40%).