The payments industry had a strong 2021, a beneficiary of the pandemic through the rapid online digitization of business. 2022 will see that growth continue, with some major IPOs, further consolidation in the payments space, and a pivot to B2B payments innovation. In 2022, expect to see eye-watering IPOs and a resurgence of QR codes and wallets. “Buy now, pay later” (BNPL) will continue to put cards under pressure, and in some countries, banks will call time on P2P payments.