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Global payments market trends 2026 now available
Monday, August 31, 2026 — 17:18:09 (UTC)
Global Payments Market Trends 2026 Now Available, Tracks Cross-Border Payments Surging from $190T to $320T by 2032 as Real-Time
Transactions Double to 575B
Opportunities center on real-time and A2A payments, interoperable APIs, cross-border modernization, multi-rail orchestration, AI-driven automation and fraud prevention, digital identity, stablecoins, tokenized settlement and CBDCs.
August 31, 2026 11:20 ET | Source: Research and Markets
Dublin, Aug. 31, 2026 (GLOBE NEWSWIRE) -- The "Global Payments Market Trends 2026: Infrastructure, Real-Time Payments, Cross-Border, Fraud & AI" has been added to ResearchAndMarkets.com's offering.
Global Payments Market Accelerates as Real-Time Transactions, AI and Cross-Border Infrastructure Reshape the Industry
The global payments market is entering a period of sustained transformation, driven by rapid growth in non-cash transactions, real-time payment networks, account-to-account payments and cross-border payment innovation. The continued adoption of digital wallets, interoperable infrastructure, payment orchestration and advanced fraud prevention technology is expected to support faster, more secure and more efficient payment processing worldwide.
Key Global Payments Market Highlights
Global non-cash B2B and B2C payment transactions are forecast to rise from more than 160 billion in 2007 to over 3.5 trillion by 2029.
Worldwide real-time payment transactions are projected to increase from more than 260 billion in 2023 to over 575 billion by 2028.
Instant payments are expected to expand their share of global non-cash transaction volume from more than 15% to over 20% by 2028.
Global wholesale and retail cross-border payments are forecast to grow from more than USD 190 trillion in 2024 to over USD 320 trillion by 2032, representing a compound annual growth rate of more than 6%.
Real-Time Payments and Digital Payment Infrastructure Expand
Real-time payment networks are becoming a central component of the global financial system. Account-to-account payment adoption, interoperable platforms, API-enabled connectivity and ISO 20022 messaging are helping banks, payment providers, fintech companies and merchants modernize transaction processing. These developments are also supporting greater transparency, improved data exchange and faster settlement across domestic and international payment flows.
Payment providers are expanding multi-rail capabilities to route transactions across cards, bank accounts, digital wallets and alternative payment networks. Payment orchestration platforms are gaining importance as organizations seek to improve authorization rates, control processing costs and deliver consistent customer experiences across markets and channels. Digital identity frameworks are advancing alongside this infrastructure, enabling stronger authentication and more reliable access to financial services.
Artificial Intelligence Strengthens Payment Security and Automation
Artificial intelligence is playing a growing role in fraud detection, transaction monitoring, payment automation and operational intelligence. Financial institutions and payment companies are deploying AI-enabled systems to identify suspicious activity, assess transaction risk and respond to emerging threats more quickly.
At the same time, increasingly sophisticated AI-enabled fraud is creating new cybersecurity and digital trust challenges. Organizations are strengthening authentication, identity verification, behavioral analytics and regulatory compliance capabilities to protect customers and payment ecosystems. Continued investment in fraud prevention technology will be essential as transaction volumes rise and digital payment channels become more interconnected.
Regional Payment Innovation Supports Market Growth
Major regional initiatives, including India's UPI, Brazil's Pix, SEPA Instant in Europe and FedNow in the United States, continue to accelerate real-time payment adoption. These platforms are increasing consumer and business access to immediate payments while encouraging financial institutions to improve interoperability and service availability.
Stablecoins, tokenized settlement technologies and central bank digital currencies are also attracting attention as complementary elements of future payment ecosystems. Their long-term role will depend on regulatory development, institutional adoption, infrastructure integration and their ability to address specific domestic and cross-border payment requirements.
Key Questions Addressed
How are real-time payments, account-to-account systems, digital wallets and alternative payment rails reshaping the global payments landscape in 2026?
What growth is forecast for global non-cash transactions, payment revenues and real-time payment volumes through 2029?
Which payment segments, customer groups and use cases are expected to achieve the strongest growth?
How are cross-border payment systems evolving through interoperability, APIs, ISO 20022, digital identity, tokenization and payment orchestration? How large could the global cross-border payments market become by 2032?
How are artificial intelligence, fraud prevention technology and regulatory frameworks influencing payment security, operational efficiency and customer trust?
The outlook indicates that real-time payments, modernized cross-border infrastructure, artificial intelligence and digital identity will remain among the most influential forces shaping the global payments industry. Organizations that prioritize interoperability, security and flexible payment infrastructure will be better positioned to capture emerging opportunities as transaction volumes continue to expand.
Key Topics Covered:
1. Key Takeaways
2. Management Summary
3. Global Payments Market Overview
3.1. Digital Payments Market Size & Revenue Trends
Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 1 of 2) Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 2 of 2) Global: Digital Mobility Payments and Market Growth Overview, June 2026 Global: Total Non-cash Transactions Volume, in volume trillions, 2018 & 2021-2024e & 2028f Global: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f Global: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023, 2028f Global: Transaction-Related Payments Revenue, by Region, in USD billion, and Compound Annual Growth Rate, 2019, 2024 & 2029f Global: Payments Revenue by Type, Commercial & Consumer in %, 2023 Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2023 Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2023 Global: Payment Revenue Value, in USD trillion, 2027f Global: Online Payment Methods Preferred by Shoppers, in % of Respondents, 2024 Global: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023 & 2028f Global: Organizations Accepting Payment Methods, by Type, in %, 2022 & 2024 Global: Payment Type Transactions, by Quarter, in % Year-Over-Year Change, Q4 2022 - Q3 2023
3.2. Real-Time Payments Market Dynamics
Global: Real-Time Payment Transactions, in billions of Transactions, and Growth Rates, 2022-2023 & 2028f Global: Instant Payments as Share of Non-Cash Transaction Volume, in %, 2023 & 2028f Global: Share of Real-Time Payments in Total Electronic Transactions, in %, 2023 & 2028f Global: Top Five Real-Time Payment Markets by Transaction Volume and Year-on-Year Growth, in billions of Transactions and %, 2023 Global: Instant Payment Penetration and Year-on-Year Volume Growth by Region, in %, 2024 Global: A2A Transaction Volume, in billions, and Total Growth, 2024 & 2029f
3.3. Strategic Evolution of Cross-Border Payments
Global: Cross-Border Payment Infrastructure Layers, Intermediaries, and Settlement Mechanisms, June 2026 Global: Evolution of Cross-Border Payment Infr., Real-Time Connectivity, and Network Modernizat., June 2026 Global: Structural Drivers Accelerating Cross-Border Payment Infrastructure Modernization, June 2026 Global: Structural Drivers Supporting Digital Identity Modernization, June 2026 Global: Transition Toward Real-Time Interoperable Cross-Border Payment Systems, June 2026 Global: Competitive Positioning Across Banks, PSPs, FinTechs, and Payment Infrastr. Providers, June 2026 Global: Service Capabilities Across Major Cross-Border Payment Infrastructure Providers, June 2026 Global: Competition Between Traditional Banks, PSPs, FinTechs, and Infrastructure Platforms, June 2026 Global: Competition Across Cross-Border Payment Networks Layer, June 2026
4. Global Payment Economics & Market Structure
4.1. Economics of the Global Payments Industry
Global: Impact of A2A Payments and Alternative Rails on Revenue Pools, April 2026 Global: A2A Payment Monet. Models, Fee Structures, Cost Allocation and Value-Added Services, April 2026 Global: Real-Time Paym. Business Models, Value Capture, Revenue Layers and Comp. Positioning, Apr 2026 Global: Payment Value Chain Profit Pools, Issuing, Acquiring, Processing, and Revenue Layers, April 2026 Global: Stablecoin Reserve Management and Issuer Economics, June 2026 Global: Commercial Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024 Global: Consumer Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024 Global: Revenue Structure and Monetization Mechanisms Across Card and A2A Payment Models, April 2026 Global: A2A Payments and Multi-Rail Infrastructure Development, April 2026 Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, Apr 2026 Global: Merchant Payment Acceptance Costs for Card-Based and A2A Transactions, April 2026 Global: Card Type Identified as Most Likely to Be Impacted by A2A Payments, in % of Paym. Executives, 2025 Global: Merchant Acceptance of Selected Payment Methods, in % of Respondents, 2023 & 2025e
4.2. Economics of Cross-Border Payment Flows
Global: TAM of Wholesale and Retail Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f Global: TAM of Non-Wholesale Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f Global: B2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f Global: B2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f Global: C2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f Global: C2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f Global: Cross-Border Payment Flows by Use Case, in USD trillions and % of Total Share, 2025 Global: Cross-Border Payment Revenues by Use Case, in USD billions and % of Total Share, 2025 Global: Cross-Border Payment Take Rates by Use Case, in % of Cross-Border Payment Flow Value, 2025 Global: Large Enterprise Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f Global: SMB Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f Global: Cross-Border Payment Fee Structures and Transaction Friction Across Major Corridors, June 2026 Global: Settlement Delays, Intermediary Complexity, and Liquidity Constraints in Intern. Payments, June 2026 Global: Infrastructure Factors Influencing Cost and Efficiency Across Major Payment Corridors, June 2026
5. Global Payment Infrastructure Modernization & Interoperability
5.1. Evolution of Payment Infrastructure
Global: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f Global: Share of Non-Cash Transaction Volume by Payment Instrument, in %, 2023 - 2024e & 2029f Global: Share of E-Commerce Transaction Value by Payment Method, in %, 2024 & 2030f Global: Correspondent Banking, RTP-Based Payment Models, and Cross-Border Infrastr. Trends, June 2026 Global: RTP System Expansion, Transaction Growth, and Cross-Border Connectivity Initiatives, June 2026 Global: Cross-Border RTP Linkages, Payment-System Interoperability, and Infrastr. Connectivity, June 2026 Global: ISO 20022 Adoption and Interoperability Development Across Payment Systems, June 2026 Global: ISO 20022 Standardization and Payment Data Harmonization, June 2026 Global: SWIFT Infrastr. Modernization, ISO 20022 Migration, and Transaction Data Standardization, June 2026 Global: API-Based Financial Infrastructure and Embedded Payment Integration, June 2026 Global: Identity, Authentication, and Trust Across Digital Ecosystems, June 2026 Global: Banking-as-a-Service and API Ecosystem Expansion in International Payments, June 2026 Global: Strategic Expansion of API-Based Payment Infrastructure Providers, June 2026 Global: Payment Orchestration Layers and Intelligent Routing Infrastructure, June 2026 Global: Multi-Rail Payment, Transaction Routing Complexity, and Payment Method Fragmentation, June 2026 Global: Digital Wallet Connectivity, Multi-Currency Payment, and Cross-Border Payment Integration, June 2026 Global: Digital Identity Infrastructure Across Commerce, Finance, and Government, June 2026
5.2. Interoperability & Cross-Border Connectivity
Global: Cross-Border A2A Payment Limitations and Card Network Dominance, April 2026 Global: Centralized, Federated & Decentralized Identity Architecture Models, June 2026 Global: Identity Portability, Credential Reusability & Interoperability, June 2026 Europe: SEPA Instant Credit Transfer Usage Patterns Across Retail Transactions, May 2026 Europe: Open Banking and Account-to-Account Payment Development Across Retail Transactions, May 2026 Europe: Development and Rollout of EPI's Wero Payment System, May 2026
5.3. Adoption Drivers & Implementation Challenges
Global: Success Factors Behind UPI and Pix, Policy Mandates, Cost Structures, and Infrastr. Design, Apr 2026 Global: Open Banking Payment Adoption Barriers, Merchant, Consumer, and Regulatory Constraints, Apr 2026 U.S.: Structural Barriers to Real-Time and A2A Payment Adoption, April 2026
6. Global Foreign Exchange, Liquidity & Settlement Systems
6.1. Treasury, Liquidity & FX Management
Global: Treasury Optimization, Liquidity Management, and International Payment Operations, June 2026 Global: Foreign Exchange Infrastr., Liquidity Management, and Cross-Border Payment Efficiency, June 2026 Global: Treasury Modernization, Multi-Currency Liquidity Management, and Automated FX Routing, June 2026
6.2. Settlement Performance & Transaction Efficiency
Global: Wholesale Cross-Border Payments Credited Within One Hour and One Busin. Day, in %, 2023 - 2025 Global: Retail Cross-Border Payments Credited Within One Hour and One Business Day, in %, 2023 - 2025 Global: Availability of Cost and Speed Inform. Across Retail Cross-Border Payment Services, in %, 2023 - 2025
6.3. Tokenized Settlement & Digital Money Infrastructure
Global: Traditional and Stablecoin-Based Cross-Border Settlement Infrastructure, June 2026 Global: Stablecoin Payment Functional Architecture, June 2026 Global: Stablecoin Adoption, Tokenized Settlement Development, and International Payment Infr., June 2026 Global: Commercial Bank Money Tokens and Deposit Token Initiatives, June 2026 Global: Stablecoins Compared with Central Bank Digital Currencies, June 2026 Global: CBDC Pilot Programs, Tokenized Settlement Networks, and Cross-Border Payment Exper., June 2026 Global: Project mBridge Cross-Border Transactions Values, in USD billions, 2022 & 2025 Global: Atomic Settlement Models, Tokenized Money Infrastructure, and Next-Generation Payment, June 2026 Global: Tokenized Cross-Border Payment Infrastructure Cost Savings, in USD bil. and CAGR, 2026e - 2030e
7. Global AI, Automation & Operational Intelligence in Payments
7.1. Artificial Intelligence in Payment Ecosystems
Global: Overview of AI Use in Payments, June 2026 (1 of 3) Global: Overview of AI Use in Payments, June 2026 (2 of 3) Global: Overview of AI Use in Payments, June 2026 (3 of 3) Global: Overview of AI and Machine Learning in Payments, June 2026 (1 of 2) Global: Overview of AI and Machine Learning in Payments, June 2026 (2 of 2) Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, June 2026 Global: AI-Optimized Payments, Risk Management, and Customer Experience, June 2026 Global: AI Collaboration and Future Innovations in Payments, June 2026 Global: AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, June 2026 Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2026 Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2026 Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023e Global: Top Challenges With Applying Generative AI in Banking, in % of C-Suite Executives, October 2023 Global: Value of AI in Payments, in USD billion, 2023 & 2031f Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026
7.2. Operational Intelligence & Payment Automation
Global: AI-Driven Transaction Routing and Intelligent Payment Optimization Systems, June 2026 Global: AI in Treasury Operations, Liquidity Forecasting, and FX Management, June 2026 Global: AI-Powered Fraud Detection and Transaction Monitoring in Cross-Border Payments, June 2026 Global: Operational Automation Across International Payment Compliance Systems, June 2026 Global: ML Infrastructure, Real-Time Risk Scoring, Sanctions Monit., and Financial Crime Detection, June 2026 Global: Adoption of Innovative Payment Technologies by Banks & PayTechs, in % of Exec. Reporting Technologies Already Deployed, 2025 Global: Prioritization of Payment Industry Initiatives by Banks & PayTechs, in % of Executives Surveyed, 2025 Global: Merchant Expectations Versus Banks' Reported Capability Levels Across Payment Infrastructure Services, in % of Respondents, 2025
7.3. AI-Enabled Fraud & Emerging Threats
Global: AI-Enabled Phishing, Social Engineering Acceleration, and AI-Driven Fraud Det. in Payments, March 2026 Global: Performance and Efficiency Comparison of AI-Enabled and Traditional Crypto Scams, March 2026 Global: Share of AI-Enabled Crypto Scams Concentrated in High-Value / High-Volume Activity, in % of Scams, 2025 Global: Impact of Service-Based Scam Supply Chains on Fraud Scalability, Transaction Effectiveness, and Operational Intensity, March 2026 Global: Evolution of Fraud Techniques, Detection Processes, and AI-Enabled Risk Management Practices, March 2026 Global: Share of Consumers Who Are "Very Confident" in Identifying AI-Generated Threats or Scams, in % of Respondents, 2025 Global: Adoption of Generative AI in Fraud Prevention by Banks, in % of Respondents, March - April 2025 Global: Perceived Use of Generative AI in Voice-Cloning Fraud, in % of Respondents, March- April 2025 Global: Expected Impact of AI-Driven Behavioral Analytics on Fraud Prevention, in % of Resp., March - April 2025 Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Implications, March 2026
7.4. AI-Driven Fraud Prevention & Defense
Global: Adoption and Primary Use Cases of AI-Enabled Tools for Cybersecurity, in % of Resp., August - October 2025 Global: Behavioral AI Adoption and Enterprise Deployment Challenges in Fraud Detection Sys., March 2026 Global: Top Use Cases of AI in Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025 Global: Duration of AI Use in Fraud Prevention by Financial Institutions, in % of Resp., March - April 2025 Global: Adop. of AI for Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025 Global: Leading Challenges in AI Deployment for Fraud and Financial Crime Prevention, in % of Resp., March - April 2025 Global: Reported Impact of AI Adoption on False Positives in Fraud and Financial Crime Prevention, in % of Resp., March - April 2025 Global: Reported Impact of AI Adoption on Fraud Loss Reduction, in % of Respondents, March - April 2025 Global: Criminal Use of Generative AI in Fraud and Scam Activities, in % of Respondents, March - April 2025 Global: Fraud Prevention Technologies, in % of Business Leaders Ranking Each Among the Top Three Most Effective, May - June 2025 Global: Key Barriers to AI Implementation in Cybersecurity, in % of Respondents, August - October 2025 Global: Organizations with a Process to Assess the Security of AI Tools Before Deployment, in % of Resp., 2025 - 2026 Global: AI Security Reviews Before Deployment, by Organizational Resilience Level, in % of Resp., August - October 2025 Global: Share of Consumers More Trusting of AI-Based Security Than Human-Monitored Security by Generation, in % of Respondents, 2025 Global: Explainable AI and Model Governance Requirements in Financial Crime Analytics, March 2026
8. Global Fraud, Cybersecurity & Infrastructure Security
8.1. Risk Perceptions & Trust in Digital Payments
Global: Share of Consumers More Concerned About Cyber Risks Than Two Years Ago, in % of Respondents, 2025 Global: Share of Consumers Who Believe Being Scammed Is Inevitable, in % of Respondents, 2025 Global: Share of Consumers Who Received a Scam Attempt in the Past 12 Months, in % of Respondents, 2025 Global: Consumer Exposure to Digital Fraud Attempts, in % of Respondents, May - June 2025 Global: Perceived Change in Selected Cyber Risk Categories, in % of Respondents, August - October 2025 Global: Consumer Perceptions of Digital Versus Physical Security, in % of Respondents, 2025 Global: Evolution of Identity Models and Authentication Frameworks, June 2026 Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., Apr 2026 Global: Leading Drivers for Considering or Implementing Passkeys, in % of Org. With Active Passkey Consideration or Adoption, Apr 2026 Global: Consumer Perceptions of Digital Security, AI-Driven Fraud Risks, and Reporting Barriers, March 2026 Global: Perceived Involvement of AI in Online Fraud Incidents, in % of Resp. Experienced Online Fraud or Scams, June - July 2025 Global: Self-Reported Belief in Deepfake Identification Ability, in % of Respondents, 2024 - 2025 Global: CEOs' Top Cybersecurity Concerns Related to GenAI, in % of Respondents, August - October 2025 Global: Evolution of Top Cybersecurity Concerns Related to GenAI, in % of Resp., 2024 - 2026 Global: Technologies with the Greatest Anticipated Impact on Cybersecurity in the Next 12 Months, in % of Resp., August - October 2025 Global: Online Payment Fraud Growth, Consumer Trust Responses, and Merchant Risk Management Implications, March 2026 Global: Fraud Reimbursement Expectations, Customer Trust Pressures, and Payment Provider Risk Ownership, March 2026 Global: Financial System Interdep., Supply-Chain Vulnerabilities, and Consumer Trust Pressures, March 2026
8.2. Scale & Financial Impact of Payment Fraud
Global: Value of E-Commerce Fraud Losses, in USD billions, 2024 & 2029f Global: Financial Institution Fraud Loss Forecast, in USD billions, 2025 & 2030f Global: Cumulative Card Payment Fraud Losses and Key Risk Drivers, March 2026 Global: Share of Annual Company Revenue Lost to Fraud, in % of Total Revenue, 2024 - 2025 Global: Digital Identity Fraud Trends, Consumer Scam Exposure, and Financial Institution Loss Fore., March 2026 Global: Rate of Suspected Digital Fraud, in % of Total Digital Transactions Evaluated, H1 2022 - H1 2025 Global: Digital Fraud Attempts, Account Takeover Activity, and Consumer Scam Exposure, March 2026 Global: AI-Driven Fraud Escalation and Payment Fraud Values Despite Customer Authen., March 2026 Global: Prevalence and Types of Cyber-Enabled Fraud Experienced in the Past 12 Months, in % of Resp., August - October 2025 Global: Exposure to Cyber-Enabled Fraud in the Past 12 Months, by Region, in % of Resp., August - October 2025 Global: Crypto Scam and Fraud Loss Estimates, Historical Revisions, and Structural Underestimation Risk, March 2026 Global: Average Value of Individual Crypto Scam Payments, in USD, 2024 - 2025 Global: Individual Crypto Scam Payments and Underlying Drivers of Transaction-Level Loss Escalation, March 2026
8.3. Fraud Typologies & Attack Methods
Global: Primary Causes of Fraud Losses, in % of Business Leaders Rep. Each Fraud Type, May - June 2025 Global: Suspected Digital Fraud by Consumer Lifecycle Stage, in % of Stage-Level Transaction Attempts, May - June 2025 Global: Suspected Digital Fraud Rates by Industry, in %, May - June 2025 Global: Share of Consumers Who Engaged With Scam Attempts by Generation, in % of Respondents, 2025 Global: AI-Generated Impersonation, Synthetic Media, and Social Engineering in Online Fraud, March 2026 Global: Credential Abuse Trends, Identity Management Risks, and AI-Driven Commerce Developm., March 2026 Global: Growth Dynamics, Rising Payment Severity, and Convergence of Impersonation Tactics Across Crypto Scam Types, March 2026 Global: Shift in Laundering Channels and Off-Ramp Structures for Crypto Scam Proceeds, March 2026 Global: Multi-Rail Payment Expansion, Vulner. Exploitation Trends, and Ecosystem-Level Cyber Risk, March 2026 Global: Cybercrime-as-a-Service Expansion and Implications for Payment Fraud Risk Management, March 2026 Global: Criminal Data Marketplaces, Access Brokerage, and the Rise of Intelligence-Led Risk Management, March 2026 Global: Money Mule Recruitment, Rapid Funds Movement, and Industrialization of Scam Proceeds, March 2026 Europe: Authorised vs Unauthorised Payment Fraud Patterns and Reimbursement Implications, March 2026 Europe: Scam Typologies, Consumer Decision Dynamics, and Dispute Escalation Drivers, March 2026 Europe: Convergence of Payment Channels and Cross-Channel Fraud Threat Evolution, March 2026 Europe: Online Marketplaces, Counterfeit Trade, and Converging Criminal Supply Chains, March 2026 Europe: Organized Fraud Networks, Scam Supply Chains, and Industrialization of Financial Crime, March 2026
8.4. Cross-Border Fraud & Infrastructure Security
Global: Payment Fraud Losses, Scam Exposure, and Fraud Mitigation Challenges, June 2026 Global: Mule Networks, Authorized Push Payment Fraud, and International Scam Infrastructure, June 2026 Global: Share of Deepfake-Related Fraud Incidents by Financial Services Segment, in %, Sep 2024 - Sep 2025 Global: Fraud Rate by Financial Services Segment, in % of Suspected Rate, Sep 2024 - Sep 2025 Global: Share of New Account Fraud and Account Takeover Fraud in Total Fraud Incidents by Industry, in %, Sep 2024 - Sep 2025 Global: Share of Fraud Occurring After Customer Onboarding by Industry, in %, Sep 2024 - Sep 2025 Global: Cybersecurity Risks, Operational Resilience, and Infrastructure Protection, June 2026 Global: Third-Party Dependencies, Operational Risk, and Infrastructure Concentration, June 2026
8.5. Economic Impact of Fraud & Prevention
Global: Cyber Risk Complexity, Regulatory Pressure, and Security Investment Drivers, March 2026 Global: Fraud Liability Expansion and Rising Monitoring Costs in Payment Ecosystems, March 2026 Global: Cyber Threat Evolution, Regulatory Pressure, and Security Investment Drivers, March 2026 Global: Rising Scam Losses, Reimbursement Pressure, and the Growing Cost Burden of Fraud, March 2026 Global: Information Security Spending Expansion and Strategic Alignment with Digital Payment Growth, March 2026 Global: Estimated Contribution of Key Structural Drivers to Fraud Detection and Prevention Market Growth, in % of Impact on Forecast CAGR, January 2026 Global: Estimated Negative Contribution of Key Implementation and Data Constraints to Fraud Detection and Prevention Market Growth, in % of Negative Effect on Forecast CAGR, January 2026 Global: AI-Driven Growth Drivers and Implement. Constraints in the Fraud Detection Market, March 2026
8.6. Fraud Prevention Market & Investment Landscape
Global: IT Spending Growth, Software Expansion, and Payments Infrastructure Investment, March 2026 Global: Information Security End-User Spending Forecast, in USD billions, 2024, 2025f & 2026e Global: Rising Cybersecurity Investment Priorities and Technology Spending Expansion, March 2026 Global: AI Adoption, Talent Shortages, and Growing Demand for Cybersecurity Solutions, March 2026 Global: Fraud Detection and Prevention Market Size Growth, in USD billions, and Compound Annual Growth Rate, 2026e & 2031f Global: Estimated Share of Solution Platforms Versus Service Offerings, in % of Total Fraud Detection and Prevention Market Revenue, 2025 Global: Estimated Share of Fraud Detection and Prevention Market Revenue by Organization Size, in % of Total Market Revenue, 2025
9. Global Regulation, Standards & Governance
9.1. Regulatory Frameworks & Industry Standards
Global: G20 Cross-Border Payment Roadmap and International Coordination Efforts, June 2026 Global: Regulatory Reform, Cross-Border Payment Modernization, and Interoperability Develop., June 2026 Global: AML, KYC, and Transaction Monitoring Expansion Across Real-Time Payment Systems, June 2026 Global: Open Banking, Open Finance, and Cross-Border Data-Sharing Frameworks, June 2026 Global: Regulatory Approaches Toward Stablecoins and Tokenized Settlement Infrastructure, June 2026
9.2. Fraud Governance & Regional Policy Developments
Global: Expanding Risk, Compliance, and Resilience Mandates Across the Payments Industry, March 2026 Global: Confirmation of Payee Frameworks, Trans. Integrity Controls, and Fast Payment Risk, March 2026 Global: Interactive Authorization, Payee Verification, and Instant Conf. in Fast Payment Ecosystems, March 2026 Global: Interoperability Standards, Data Governance, and Implem. in Payment Pre-Validation Sys., March 2026 Global: Payment Infra. Modernization, Interoperability Expansion, and Real-Time Risk Foundations, March 2026 Global: Instant Payment Expansion and the Transition Toward Real-Time Fraud Decisioning, March 2026 Global: Real-Time Risk Scoring and Authorization-Stage Decisioning in Modern Payment Systems, March 2026 Global: Continuous Verification and Behavioral Signals as a Core Control Layer for Digital Fraud, March 2026 Global: Cyber Threat, Operational Risk Management, and Infrast. Resilience in Fast Payment Sys., March 2026 Global: Cloud Concentration, Third-Party Dependencies, and Payment Infrastructure Resilience, March 2026 Global: Scenario Testing, Sector-Wide Exercises, and Standardized Incident Report. in Payment Infr., March 2026 Global: Incident Repor. Harmonization, Fraud Monitoring Expansion, and Payment Data Governance, March 2026 Global: Cross-Industry Collab. and Intelligence Sharing as Key Pillars of Modern Fraud Prevention, March 2026 Global: Organized Cybercrime Netw., Automated Fraud, and Cross-Border Criminal Supply Chains, March 2026 Global: Cross-Border E-Commerce, Small-Parcel Trade, and Merchant Risk Management Implications, March 2026 Global: Cross-Border E-Commerce Growth, Financial Crime Exposure, and Compliance Pressure, March 2026 Global: Cashless Payment Expansion and Implications for Fraud Exposure, March 2026 Global: Payment Modernization, Systemic Interdependence, and Coordinated Fraud and Cyber Resilience, March 2026 Europe: Verification of Payee Frameworks and Pre-Validation Controls in Instant Payments, March 2026 Europe: Strong Customer Authentic., Fraud Reduction Effect, and Fraud Displacement Dynamics, March 2026 Europe: Authentication Integration into Payment Infrastructure Resilience and Cyber Risk Governance, March 2026
10. Regional Payment Infrastructure, Real-Time Payments & A2A Markets
10.1. Regional Payment Infrastructure Development
APAC: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f North America: Volume of Non-Cash B2B and B2C Payments, in bl. and CAGR, 2007, 2014, 2023-2025f, 2029f Europe: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f Latin America: Volume of Non-Cash B2B and B2C Payments, in bl. and CAGR, 2007, 2014, 2023-2025f, 2029f MEA: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
10.2. APAC
China: Cross-Border Wallet Expansion and Payment Infrastructure Internationalization, June 2026 China: e-CNY Cumulative Transaction Volumes, in CNY trillion, June 2023 - November 2025 China: Structure of Electronic Payment Transactions and Role of Mobile Payment Channels, April 2026 China: Payment System Infrastr., Bank Account Base, and Role of Electronic Payment Transactions, Apr 2026 China: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f India: UPI International Expansion and Real-Time Payment Ecosystem Scaling, June 2026 India: Cross-Border UPI Transaction Values, in USD millions, FY24, FY25 & FY26 YTD (Jul 2025) India: Cross-Border UPI Transactions, in Number of Transactions, FY2024 - FY2026 YTD India: UPI Transaction Volume, in Billions of Transactions, and Growth Rates, 2022-2023 & 2028f South Korea: Payment Infr. Modernization, Settlement Efficiency, and Digital Payment Development, June 2026 Singapore: Cross-Border RTP Connectivity and Regional Payment Infrastructure Leadership, June 2026 Singapore: Real-Time Payment Transactions, in Millions of Transactions, and CAGR, 2023 & 2028f
10.3. North America
U.S.: RTP Expansion, FedNow Development, and Cross-Border Infrastructure Modernization, June 2026 U.S: Same Day ACH Transaction Value, in USD billions, Q1 2025 & Q1 2026 U.S.: Same Day ACH Transaction Volume, in millions, Q1 2025 & Q1 2026 U.S.: ACH B2B Payment Volume, in billions of Transactions, Q1 2025 & Q1 2026 U.S.: YoY Growth in ACH Transaction Volume Across Major Payment Categories, in %, Q1 2026 U.S.: Real-Time Payment Transactions, in billions of Transactions, and CAGR, 2023 & 2028f U.S.: Real-Time Payment Network Participation and Usage, FedNow vs RTP, April 2026 U.S.: Consumer Payment Behavior and Relative Usage of Payment Methods, April 2026 U.S.: Role of ACH and Same-Day ACH in Account-to-Account Payment Infrastructure, April 2026 U.S.: Bank Priorities in Payment Initiatives by Implementation Timeline, in % of Respondents, 2025 Canada: Real-Time Rail Modernization and International Payment Connectivity, June 2026
10.4. Europe
Europe: SEPA Instant Expansion and Pan-European Payment Infrastructure Integration, June 2026 Europe: Share of Instant Credit Transfers in Total Credit Transfers, by Volume and Value, in %, H1 2025 Europe: Instant Payments Share of Total Electronic Payments, in %, 2023 & 2028f Europe: Variation in Payment Instrument Usage Across Selected Markets, May 2026 UK: Open Banking Infrastructure and International Payment Innovation, June 2026 UK: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f UK: Payment Methods Considered Important by Merchants, in % of Respondents, Q2 2024 UK: Benefits Achieved by Offering Open Banking Payments, in % of Merchants, Q2 2024 UK: Merchants Biggest Frustrations with Current Payment Solutions, in % of Merchants, Q2 2024 Germany: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f
10.5. Latin America
Latin America: Instant Payment Systems and Regional Cross-Border Infrastructure Integration, June 2026 Brazil: Pix Transaction Growth, Infrastr. Development, and Cross-Border Payment Implications, June 2026 Brazil: Pix Transactions, in billions of Transactions, February 2025 - May 2026 Brazil: Value of Pix Transactions, in BRL billions, February 2025 - May 2026
10.6. Middle East & Africa
Middle East: Real-Time Payment Transactions, in billions of Transactions, and CAGR, 2023 & 2028f GCC: Payment Infrastructure Modernization and Real-Time Cross-Border Connectivity, June 2026 UAE: International Financial Infrastructure and Multi-Currency Settlement Positioning, June 2026 Saudi Arabia: Payment Infr. Development, Instant Payments, and Regional Connectivity Initiatives, June 2026 Saudi Arabia: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f Africa: Mobile Money Infrastructure and Cross-Border Financial Connectivity Challenges, June 2026 Nigeria: Instant Payments, Digital Transaction Growth, and Payment Infrastructure Modernization, June 2026
11. Global Future Outlook & Strategic Scenarios
11.1. Future Payment Infrastructure & Settlement Models
Global: Future Role of Stablecoins, CBDCs, and Tokenized Settlement Systems, June 2026 Global: AI-Orchestrated International Payment Infrastructure and Automated Treasury Systems, June 2026 Global: Long-Term Structural Evolution of International Transaction Ecosystems, June 2026 Global: Cross-Border Infrastructure Partnerships and Ecosystem Consolidation Activity, June 2026
11.2. Industry Competition & Strategic Positioning
Global: Impact of A2A Payment Expansion on Card Network Value Pools and Transaction Segments, Apr 2026 Global: Cross-Border Payment Infrast., Interoperability Models, and System Integration Approaches, May 2026 Global: AI Applications in Payment Processing, Fraud Detection, and Operational Infrastructure, May 2026 Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement in Payment Systems, May 2026
11.3. Emerging Risks & Technology Trends
Global: Cybercrime, Digital Fraud, and Trust Risks as Emerging Financial Stability Concerns, March 2026 Global: Cyber Risk Complexity, Payme
A selection of companies mentioned in this report includes, but is not limited to:
Adyen Amazon Apple Apple Pay FedNow Global Payments GoCardless iDEAL JPMorgan Mastercard MTR Corporation PayPal Pix Plaid Project Agora Project mBridge RTP SEPA Instant Starbucks Stripe Swish SWIFT Tether Tink TrueLayer UPI Visa Walmart Wero Wise Worldline Worldpay Circle e-CNY
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