Payment Channels and Transaction Types

How Digitization Is Reshaping Providers’ Approach to Retail, P2P, Disbursement, B2B, and Cross-Border Payments

Executive Summary

Growing ecommerce, rising connected device penetration, and new technologies like blockchain are reshaping how payment providers that enable commerce do business. To embrace lasting pandemic-driven shifts, they’ll need to tap new customer bases and leverage new technology.


  1. How are payers’ habits and preferences changing in retail, peer-to-peer (P2P), business-to-consumer (B2C), and B2B payments?
  2. How are these changes affecting payment providers?
  3. How will providers adapt to maintain volume growth?

WHAT’S IN THIS REPORT? We size core segments of the payments industry—including retail, B2B, and P2P payments—offer growth insights and forecasts, and evaluate key trends that will reshape providers’ strategies in the year ahead.

KEY STAT: As US ecommerce sales exceed $1 trillion for the first time this year and keep growing, providers will embrace new devices and channels to capture sales—reflective of overall industry momentum.

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Jaime Toplin


Daniel Decea
Researcher, Financial Services
David Morris
Principal Analyst
Julia Woolever
Senior Report Editor

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