The July 2025 Datos Insights report evaluates merchant-acquiring software platforms, focusing on card management systems for acquirers. It highlights the growing complexity of the payment ecosystem due to trends like digital wallets, BNPL, open banking, and embedded payments. Acquirers face challenges such as evolving POS systems, customer demand for omnichannel support, rising fraud, and compliance pressures. The report emphasizes the need for flexible, scalable platforms to handle diverse use cases, manage risk, and remain competitive amid rapid innovation, nonbank entrants, and disaggregated payment value chains.

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