State of the Industry Report September 2024

158

159

CMSPI – IAC State of the Industry Report

CMSPI – IAC State of the Industry Report

Mastercard 11 , 19 , 31 , 46 , 47 , 50 , 52 , 53 , 54 , 64 , 65 , 68 , 69 , 84 , 91 , 101 , 103 , 104 , 105 , 108 , 111 , 112 , 113 , 114 , 116 , 117 , 119 , 121 , 123 , 124 , 125 , 126 , 127 , 131 , 132 , 134 , 150 , 151 Merchant 9 , 12 , 23 , 28 , 64 , 73 , 100 , 108 , 110 , 114 , 124 , 126 , 132 , 135 , 139 , 141 , 142 , 144

POS 21 , 25 , 57 , 58 , 59 , 60 , 62 , 64 , 67 , 71 , 75 , 76 , 77 , 78 , 79 , 81 , 83 , 84 , 85 , 91 , 92 , 102 , 114 , 120 , 135 , 141 Price signaling 96 , 107 , 117 , 131 , 133 , 137 R Rabobank 37 Real-time payments 89 , 92 , 93 Regulation 16 , 17 , 41 , 96 , 97 , 98 , 105 , 110 , 113 , 114 , 118 , 122 , 123 , 125 , 133 , 139 Reserve Bank of Australia 93 , 100 , 122 , 126 , 131 , 132 Revenue 31 , 34 , 44 , 48 , 146 , 148 , 150 Routing 14 , 18 , 24 , 52 , 70 , 71 , 80 , 82 , 83 , 97 , 99 , 105 , 110 , 111 , 112 , 113 , 114 , 115 , 117 , 119 , 120 , 121 , 126 , 127 , 128 , 129 , 130 , 131 , 133 , 136 , 137 , 144 Royal Bank of Canada 35 Rupay 105 S Santander 35 Saudi Arabia 37 , 39 , 52 , 62 , 82 , 84 , 102 , 106

Merchant routing choice 71 , 105 , 120 , 121 Mexico 50 , 77 , 82 , 83 , 94 , 95 , 101 , 106 Mobile 62 , 127 , 128 , 144 Mobile Wallet 69 , 71 , 126 , 128 Mono-badging 121 N Netherlands 21 , 37 , 39 , 52 , 62 , 78 NetsUnion Clearing 54

Network 8 , 9 , 10 , 11 , 12 , 13 , 15 , 18 , 19 , 24 , 30 , 39 , 46 , 50 , 52 , 53 , 54 , 57 , 63 , 66 , 67 , 68 , 69 , 70 , 71 , 72 , 89 , 95 , 97 , 98 , 99 , 100 , 102 , 105 , 107 , 108 , 109 , 111 , 113 , 114 , 115 , 116 , 117 , 118 , 119 , 120 , 121 , 122 , 123 , 124 , 125 , 126 , 127 , 129 , 130 , 131 , 133 , 134 , 136 , 137 , 138 , 141 , 143 , 145 Network Tokens 69 , 70 , 72 Nexi 43 , 148 , 149 , 150 No Network Exclusivity 110 , 112 Nonghyup Card 105 Norway 21 , 25 NYCE 50 O Open Banking 78 , 86 , 90 Operating Income 31 , 146 , 149 , 150 P Pago Bancomat 52 , 82 , 120 Payment Systems Regulator 15 PIN 14 , 112 , 113 , 114 , 121 , 127 , 141 PINless 50 , 113 , 141 Pix 75 , 88 , 93 , 94 , 95 , 109

SEPA 82 , 90 , 91 , 121 , 122 , 144 Settlement 67 , 92 , 104 , 139 , 144

Shinhan Card 105 Single message 14 Single-network debit cards 102 South Korea 39 , 54 , 57 , 60 , 62 , 79 , 83 , 92 , 102 , 105 Spain 37 , 39 , 52 , 62 , 78 , 82 , 84 , 107 , 118 Supreme Court 117 Surcharging 100 , 102 , 107 , 108 , 109 , 116 , 117 , 120 , 122 , 123 , 124 , 131 , 132 , 133 , 136 , 137 , 138 T TD Bank 35 Three-party card network 13 TIPS 92

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