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  "documentTitle": "Commercial payments, reinvented Your blueprint for accelerating payments revenue growth",
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      "text": "These digital challengers—which include fintechs like Stripe and Square and bigtechs like Apple and Amazon—have muscled into markets such as merchant acquiring and online merchant services with great success.",
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      "text": "Our survey confirms that commercial payments incumbents are experiencing intensifying disruption. Just like players in the consumer payments sector, most are struggling to keep pace with digital-native competitors that have entered the market over the past few years. These digital challengers—which include fintechs like Stripe and Square and bigtechs like Apple and Amazon—have muscled into markets such as merchant acquiring and online merchant services with great success. Other players, such as Fiserv, Temenos and Finacle, are disrupting market niches such as cash management. Fintech and bigtech competitors find it easier to compete in payments services since the barriers to entry are much lower compared to other banking services where a license is required. This ease of access makes the environment ripe for many players entering this space.",
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