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12 August 2015

VocaLink: The changing face of payments 2015

This year’s survey proves particularly interesting as the impact of mobile and payments apps are clearly indicating a rapid cycle change in the industry, with most developed markets rapidly adapting to mobile real-time payments and established players facing real disintermediation threats.


The results  of this year’s survey build upon the past three annual surveys, and show that:

  • Regulation and innovation remain the two primary drivers of industry change

  • Innovation through technology is now seen as being far more important to long-term industry structure than regulatory drivers 

  • There are much stronger opinions about the likely future scenarios in the industry, with mobile payments leading to disruptive innovation and new entrants such as Google and Apple 

  • Mobile is now seen as mainstream and the blockchain and cryptocurrencies are the ‘new disruptive kids on the block’


Full results on VocaLink (subscription needed)

© VocaLink

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