CMSPI - State of the Industry Report - 2025

1

STATE OF THE INDUSTRY REPORT

Cost Of Real-Time Payments Analysis

127 128 128 130 132 134 135 138 138 139 140 141 143 145 150

Regulation

Case Studies

2.5 Buy Now, Pay Later

Introduction and Brief History

Characteristics

Analysis

Supply Chain Structure

Merchant Cost Considerations

Regulation

Case Studies

2.6 Stablecoin

Introduction and Brief History

Charactaristics

Analysis

Supply Chain Structure

151 151

Merchant Cost Considerations

Regulation

153 154 156

What About Central Bank Digital Currencies?

Case Studies

Section 3: Payment Method Scorecard

157

3.1 Cash Scorecard Justifications

161 161 162 163 164 165 166 166 166 167 168 169 170

Security

User Experience

Cost

Acceptance Governance

3.2 Card Scorecard Justifications

Credit Card

Security

User Experience

Cost

Acceptance Governance

4

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