The payment industry around the world is facing a deep structural change challenge. The need to follow the customers' use of mobile technologies to buy anywhere at anytime is driving merchants toward the adoption of more complex and powerful technology. Along with it, corporates see the raise of new solutions to improve transparency and predictability of payments, so they can avoid much of the obstacles that trap liquidity in bureaucracy. With consumers at the center of a mul

In a world where the use of mobile technology is consistently increasing, people expect to be able to buy products and services wherever they are and whenever they want it. To be able to offer some kind of solution to these customers, some countries and regions around the world have already implemented a real-time retail payment system (RT-RPS). Other countries and regions are working in their retail payment systems to allow real-time transactions too, because that represents