Wire · technology
Instant payments success decided by ecosystems, not infrastructure
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Fusion42 · 1 September 2026 · Fusion42 review
The adoption of instant payments depends more on the existing payment ecosystem, including consumer habits and pricing policies, rather than just the presence of real-time payment infrastructure. Markets like India and Brazil lead with widespread adoption due to broad bank participation and competitive pricing, while the US and Mexico see slower uptake despite infrastructure availability.
This Wire brief sits within Fusion42's coverage of Fintech.
◆ ◆ The Wire takeaway
You must focus on the full payment ecosystem, especially consumer and merchant pricing, not just building fast payment rails. Your advantage now lies in creating a more convenient and cost-effective user experience than cards or cash.
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1 source · 1 Sep 2026
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