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2015 Q3

Reinventing Payments

The third-quarter edition of Banking Perspectives focuses on the fast-changing world of payments, where banks are innovating rapidly and new non-bank payment options are proliferating as Silicon Valley has allocated billions to payments startups. Driven by digital commerce, new payment products aim to make the payment part of any transaction faster, smoother, and more intuitive. Digital and mobile wallets are maturing, the number of person-to-person (P2P) payments are exploding, and banks and regulators are working on standards that may one day allow for cross-border payment, possibly in real time. Most importantly, TCH member banks are creating a real-time payments platform that will support innovative payments products for years to come.

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