Boston, January 13, 2016 – Unprecedented change marks the dawn of 2016 in retail banking and payments globally. Regulation is affecting nigh everything in the United States and paving the way for market disruption in Europe. Well-funded technology companies around the globe continue to chip away at core services, challenging incumbents. Clouds loom as cyberattacks run rampant and fizzling IPOs hint at a possible tech-bubble burst. And through all this, players are scheming to reduce friction, streamlining the user experience to win wallet share.

This Impact Note is 17 pages. Clients of Aite Group’s Retail Banking & Payments service can download this report.