The April 2023 report analyzes digital payment trends across eight industries in North America and Europe, revealing that real-time payments are widely used in retail, financial, and technology sectors, though adoption lags in construction and food and beverage. Firms are committed to ongoing payment infrastructure investments but face internal friction, IT strain, cost concerns, and limited payment knowledge in some sectors. Speed is the biggest capability gap, with large financial institutions still dominant but fintechs gaining ground. Push-to-card adoption is hindered by poor interoperability with existing payment workflows.

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