Francesco Burelli’s Post

#merchantacquiring is a complex #payments industry in which companies operate through a variety of business models. Started as a single-business-model industry with the establishment of the card payments industry in the 1960’s has developed into a variety of value propositions to merchants. In the 2000’s and 2010’s, this evolution accelerated markedly as #online #retail #channels grew and the platform and ecosystem business models increased complexity. Now, the industry is seeing the emergence of new models as mobile money operators and other non-card acquirers expand their offering to cards. Scale, the ability to better match #merchant's requirements and consumers’ expectations, access to technology, and the ability to manage and underwrite risks are shifting in a dynamic in which everybody is actually competing with everybody else across multiple lines, ranging from retail interface integration and provision of VAS to actual payment processing and data strategies, in an ongoing battle to avoid price compression and reverse commoditization. The catalogue includes the main business models. Please keep in mind that the list is near, but not fully, comprehensive and that there could be hybrid variations of these business models that are not listed. Similarly, the examples are not exhaustive as some organizations often operate across multiple business models in parallel and their business models also evolves overtime. In compiling our catalogue, we have not only leveraged our own extensive payment experience but also had the support of a sounding board of payments executives and experts. A special thanks to Andrew Key, Mario Bautista, Michael Walters, Panagiotis Kriaris Prasanna Lohar, Roger Alexander, Silvia Cotta Ramusino and Thomas Helldorff for their kind support with the validation of the list of business models. The study on the evolution of the merchant acquiring competitive landscape, released in partnership with Merchant Payments Ecosystem, can be downloaded from: https://lnkd.in/dQ7dijfa #businessmodels #technology #data #data #strategy #digitalbanking #digitalinnovation Wells Fargo Bank of America Chase Paymentech equensWorldline SE Nexi Group Adyen Network International SIX EVO Payments, Inc. Cybersource Visa Mastercard Stripe Checkout.com Square PayPal talabat Fawry Walmart Coles Group GHL Systems Berhad Paynt M-PESA Africa Amazon eBay IZETTLE MERCHANT SERVICES SAS Shopify NCR Corporation WooCommerce BigCommerce Diebold Nixdorf