CMSPI - State of the Industry Report - 2025

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STATE OF THE INDUSTRY REPORT

Contents Chief Economists Note

7 8

State of the Industry Report 2024 Recap

Section 1: A Primer In Payments Section 2: Payments Supply Chain Section 3: Understanding Ecommerce

8 8 9 9 9

Section 4: Payment Methods Around The Globe

Section 5: Payments and Regulation

State of the Industry Report 2025 Executive Summary Section 1: Characteristics of a Successful Payment Method

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Characteristics Of A Successful Payment Method

14 14 16

Introduction

1.1 Micro Factors

Security

16 18

Special Feature: Fraud and Approvals

User Experience

28

Cost

31

1.2 Macro Factors

35 35

Acceptance Governance

37

Section 2: Payment Method Profiles

41 43

2.1 Cash

Introduction and Brief History

45 46 48 50 50 52 54

Characteristics

Supply Chain Structure

Merchant Cost Considerations

Cost of Cash by Country

Regulation

Case Studies

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