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      "text": "Understanding these trends is crucial for banks, card companies, fintechs and others that want to map a new path to 2025 and beyond.",
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      "text": "Payment services providers have to work on ensuring transparent global structures and creating trust and visibility with regard to client acceptance, their ability to bear credit risk, and efficient global supervision structures. They also need to fully master data to win in the race for global scale.",
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      "text": "Banks need to work with business customers to aid them in integrating payments into their services directly. This will help them deal with a world in which increasingly multifunctional digital wallets and super-apps are proliferating. Bill payments and request-to-pay or instant cross-border offerings could provide opportunities for some larger banks.",
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      "text": "Card processors might need to consider moves that position them more effectively for payments initiation, such as partnering with significant digital wallet providers. In this way, they can ensure relevance in the merchant services space, where payments are initiated. Processors also need to bridge the card- and account-based payment worlds and adopt cloud and AI technologies to avoid being overtaken by a new generation of cloud-based solutions.",
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      "text": "Central banks and supervisors will need to improve their knowledge in order to provide effective supervision of increasingly global players that are not banks (see Figure 7).",
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      "text": "The rise in mobile payments will put ever-higher premiums on user experience, forcing fintechs and financial institutions of all sizes to deploy technology that can turn complicated back-end infrastructure into easy-to-use consumer and commercial applications.",
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