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IndustryUpdate

commission verification, interchange optimization, mer- 2026 identifies six shifts reshaping cross-border finance,
chant pricing and product gaps. The company said its including migration from traditional banks, growth
benchmarks indicate businesses may be missing 30 per- of the UAE as an international financial hub, chang-
cent to 50 percent of potential payments revenue, while ing legal-sector client-money requirements, increasingly
about half of processor residual statements it audits mainstream cross-border wealth structures, AI adop-
contain errors. Built on nearly five years of Utopaya's tion and demand for flexible payment infrastructure.
advisory work, Straata also offers contract negotiation, Interpolitan CEO Rishi Patel said legacy institutions
vendor selection, due diligence and managed services. often mistake structural complexity for risk, prompting
The company accepts no vendor referral fees. businesses to seek alternative providers.

RESEARCH NielsenIQ tracks global spread
of China’s commerce models

POS technology central to merchant operations Research from NIQ found commerce models pioneered
in China, including live, social and quick commerce,
Analysis from Castles Technology found POS technol- are increasingly influencing consumer shopping behav-
ogy is becoming increasingly central to UK merchant ior worldwide. China’s live-commerce market reached
operations, extending beyond payment acceptance to approximately $900 billion in 2025, while Asia Pacific
inventory, customer insights and other business func- accounts for about 55 percent of global ecommerce rev-
tions. Around 90 percent of UK merchants support enue. NIQ found 59 percent of consumers across the
mobile wallets, while removal of the country’s fixed £100 region purchase through social platforms and projects
contactless limit is expanding opportunities for higher- China’s social-commerce market will reach $1.8 trillion
value transactions. Castles identified reliability, ease of by 2030. The report, The Commerce Revolution: Where East
use, payment flexibility, business-system integration, Meets West, examines the convergence of Eastern and
and transparent pricing and support as key drivers of Western commerce models and emphasizes the growing
merchant satisfaction. The shift is also affecting ISOs, integration of content, media, payments, fulfillment and
which increasingly compete through integrated POS consumer data.
solutions, analytics, deployment, device management
and ongoing support rather than payment terminals Payment outages strain convenience retailers
alone.
Vontier researchers reported that payment outages,
Interpolitan identifies shifts fragmented systems and certification requirements are
reshaping cross-border finance creating significant operational risks and costs for con-
venience retailers. Among 615 operators surveyed, 88
Interpolitan Money found growing complexity in inter- percent experienced at least one payment outage during
national business is widening the gap between compa- the past year, while 36 percent reported three or more.
nies’ financial needs and traditional banking infrastruc- More than one-third of outages lasted one to four hours.
ture. The firm reported a 44.8 percent increase over the Sixty-eight percent of respondents use multiple proces-
past year in corporate clients operating across three or sors, and half manage at least four terminal models.
more jurisdictions. Its outlook for the second half of Compliance costs can reach $1 million annually for larg-
er operators. Despite cost pressures, 89 percent would
invest in payment modernization within two years if a
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