Major merchants and acquirers recognise the key potential benefits that Open Banking offers as an alternative to the acceptance of cards.  Open Banking usage is growing, particularly to enable A2A and high value payments.  Pipeline interbank enhancements are expected to enable enhanced Open Banking for everyday retail payments within 2/3 years particularly through the addition of consumer redress features.  PSE has conducted many studies helping merchants and acquirers develop their future Open Banking propositions, products and delivery in anticipation of the its growing use in the near future.