KYA, but what about know your merchant: trust gap at the heart of AI commerce

The question of who vets the merchant at the point of AI recommendation is unanswered, and the payments ecosystem has strong incentives to solve this problem before it significantly impacts consumer trust in the emerging agentic channel.

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Be the PayFac or rent the rails

How does the SaaSpocalyse & PSD3/PSR affect SaaS platforms as they seek to capture the value generated by embedded finance, and how will this affect players providing outsourced PayFac as a Service models?

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Buying volume or scope: which M&A strategy will deliver most customer value

The first half of 2026 set out the two competing theories of M&A in acquiring: volume or scope. Both strategies have clear value, but both also carry a failure risk that history illustrates well.

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Insights

The payments market continues to be driven by innovation across the value chain from new consumer devices such as mobiles and wearables through to new processing standards such as tokenisation and HCE, and new business models such as those offered by Square and Stripe. Our structured research studies identify key trends and develop innovation case studies within the European payments market, the US and APAC, developing lessons learned and best practice models for clients looking to develop similar solutions. 

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