Summary
Storms are in the offing, and the payments market in 2023 will either sink or swim. Nearly everyone must rethink their playbooks: Fintechs will change leadership and focus on the bottom line; merchants will push back hard on transaction fees; while consumers will have bigger targets on their backs for fraudsters. Payments players across the ecosystem will walk a tightrope between supporting novel payments experiences and serving a swing back to cash; they will also repurpose innovation dollars that they might have spent on envelope-pushing projects in favor of those focused on infrastructure and modernization.
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