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  "documentTitle": "Decoding Instant Payments: The Emerging Markets’ Story",
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  "notes": "Section 2 of a larger report; contains specific market data points for three key emerging economies.",
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      "text": "Brazil: Payment cards are well-embedded within the Brazilian consumer market. Debit cards have gone well beyond the theoretical saturation point – where there is at least one debit card in issue per adult.",
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      "text": "1. Payment – a dynamic arena. Payments is a dynamic arena. Different markets have distinctive growth patterns and development trajectories, and even among emerging markets, countries will grow at different speeds.",
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      "text": "Mexico: Mexico is a market dominated by local payment methods. For a population of around 123 million people, credit card penetration is a mere 24%, with only 30 million cards in issuance.",
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      "text": "China: The payments market in China is booming, with banks in China reporting US$93 tn worth of e-payment transaction value in 2015, up 44% from last year.",
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      "text": "44 China central bank, 2015 data; 45 Source: Brazilian Association of Credit Card and Service Companies, 2014; 46 Source: Allpago international; 47 Source: World Bank, financial inclusion figures, 2014",
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