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Learn More →Insider Intelligence’s Payments Trends to Watch in 2022
Central Bank Digital Currencies, BNPL, Super Apps, and Sub-Saharan Expansion
Insider Intelligence’s Top Trends to Watch in 2022
Our analysts, forecasters, and researchers worked together to deliver the latest trends in Insider Intelligence’s coverage areas for 2022.
more
Table of Contents
Executive Summary
Introduction
Crypto Sells Out as Governments Buy In
Gen Z and Payments Titans Move in on BNPL—but So Do Watchdogs
The West’s Answer to Super Apps Finally Takes Shape
International Payments Players Set Their Sights on Africa
Read Next
Sources
Media Gallery
About This Report
Payments are set to break physical and digital borders in 2022. Innovations will make payments accessible across regions; super apps will address consumers’ financial needs all in one place; and lending will extend credit to once-inaccessible segments.
Table of Contents
Executive Summary
Introduction
Crypto Sells Out as Governments Buy In
Gen Z and Payments Titans Move in on BNPL—but So Do Watchdogs
The West’s Answer to Super Apps Finally Takes Shape
International Payments Players Set Their Sights on Africa
Read Next
Sources
Media Gallery
Executive Summary
Payments are set to break physical and digital borders in 2022, connecting the world in more ways than ever. Innovations will lower barriers for payments across countries and continents, and the rise of super apps will bring all of consumers’ financial needs—including payments—into a single place. Meanwhile, innovations in lending will extend credit to once-inaccessible segments.
Questions this report covers:
- How will state-sponsored central bank digital currencies (CBDCs) impact the payments landscape in their respective markets?
- Who is best positioned to gain from the rise of buy now, pay later (BNPL)—and will regulation impact their trajectory?
- What will the rise of super apps mean for payments titans looking to maintain or grow their share of the space?
- Why are payments providers attracted to sub-Saharan Africa?
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KEY STAT: Some 44.1% of US Gen Zers are expected to use BNPL in 2022, a higher share than those of all other generations.
US Buy Now, Pay Later (BNPL) User Penetration, by Generation, 2018-2025 (% of digital buyers in each group)
Likelihood of Central Bank Digital Currencies (CBDCs) to Replace Physical/Fiat National Currencies in Their Country According to Institutional Investors Worldwide, March 2021 (% of respondents)
US Buy Now, Pay Later (BNPL) User Penetration, by Generation, 2018-2025 (% of digital buyers in each group)
Mobile Money Accounts and Transactions in Africa, by Region, 2020
US Buy Now, Pay Later (BNPL) User Penetration, by Generation, 2018-2025 (% of digital buyers in each group)
Likelihood of Central Bank Digital Currencies (CBDCs) to Replace Physical/Fiat National Currencies in Their Country According to Institutional Investors Worldwide, March 2021 (% of respondents)
Mobile Money Accounts and Transactions in Africa, by Region, 2020
authors
Grace Broadbent, David Morris, Jaime Toplin
Contributors
- Daniel Decea
- Researcher, Financial Services
- Reuben Loewy
- Director, Report Editing
- Dan Van Dyke
- Senior Research Analyst
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