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  "documentTitle": "Navigating payments matrix",
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  "notes": "The chart tracks adoption curves starting from the year of introduction for each territory.",
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      "text": "Another issue for processors and networks will be ensuring relevance in the merchant services space, where payments are initiated.",
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      "text": "Percentage of total credit transfers that are instant",
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      "text": "Another issue for processors and networks will be ensuring relevance in the merchant services space, where payments are initiated. They can double down on the provision of value-added services and broaden the existing card rails to include a wider range of payee and payer points. Digital wallet providers will look to adopt ‘open loop’ technologies and seek interoperability in order to benefit from (and not fall behind on) the ongoing globalisation of payment rails.",
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      "text": "Source: Hartmann et al., ECB Working papers 2017–19, analysed and adapted by PwC Strategy&",
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      "text": "Figure 6: Instant payments will increase across territories",
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