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Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE THE UNITED KINGDOM EDITION 2026

the United Kingdom’s
payments infrastructure industry,
in focus.

The companies, capital and talent shaping payments infrastructure in the United Kingdom. Find the leaders. Understand the segments. See where the activity is.

Explore in Radar Read the key signals
Snapshot: Funding in USD
Illustrated cover for Payments Infrastructure Industry Landscape of the United Kingdom
GB
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Payments Infrastructure illustration
Companies tracked 1,184Payments Infrastructure ecosystem in the United Kingdom Disclosed funding $16.59B203 companies · all recorded rounds Companies hiring 41With open roles at the snapshot Tracked open roles 1104 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore the United Kingdom’s payments infrastructure leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

Expand panel +
Explore the full landscape
Payments Infrastructure company highlights in the United Kingdom, snapshot 31 August 2026
Company
Finastrafinastra.com$5.3B11 roles1,890Financial figure available in RadarView in Radar
Rapydrapyd.net$1.26B—863$473.61KFYFY2024 filing
Capital On Tapcapitalontap.com$1.21B—224—
Worldpayworldpay.com$1.1B10 roles10—
Teyateya.com$844.92M—30—
Zilch$733.75M———
GoCardlessgocardless.com$539.8M—881—
Paymentsensepaymentsense.com$446.17M—394—
Equinitiequiniti.com—13 roles346—
Eburyebury.com—9 roles1,057—
Kodykody.com—7 roles41—
Taptap Sendtaptapsend.com—5 roles197Financial figure available in RadarView in Radar
Sokinsokin.com—4 roles11—
The Bunchthe-bunch.co.uk—4 roles15—
3S Money3s.money——30Financial figure available in RadarView in Radar
AZA Financeazafinance.com——222—
Bangobango.com——187Financial figure available in RadarView in Radar
Blinkblinkpayment.co.uk————
CAB Paymentscabpayments.com————
DNA Paymentsdnapayments.com——143Financial figure available in RadarView in Radar
LemFilemfi.com——91—
Moniepointmoniepoint.com——1,000—
PayPointpaypoint.com——670Financial figure available in RadarView in Radar
TrueLayertruelayer.com——372$594.96KFYFY2024 filing
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only
THE KEY SIGNALS

Payments Infrastructure industry KPIs in the United Kingdom

A few useful ratios bring the size of this ecosystem into perspective.

31 August 2026
Hiring participation3.5%

41 of 1,184 tracked companies have open roles.

Funding participation19.3%

229 of 1,184 tracked companies have a recorded round.

Top 3 funding share46.8%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$2.5M

Midpoint of 438 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 46.8% of disclosed capital, while 80.7% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How the United Kingdom payments infrastructure has grown

Recorded company formation and disclosed funding across the complete annual series shown.

Expand panel +
2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

the United Kingdom payments infrastructure
$0$1.55B$3.09B$4.64B$6.18B2016: $396.31M20162017: $189.82M20172018: $628.95M20182019: $733.3M20192020: $503.04M20202021: $3.32B20212022: $1.38B20222023: $5.42B20232024: $545.7M20242025: $1.45B2025
View the numbers
Annual payments infrastructure funding and company formation in the United Kingdom
YearFunding (USD)FoundedRaising
2016$396.31M7935
2017$189.82M7331
2018$628.95M9326
2019$733.3M8234
2020$503.04M10244
2021$3.32B9068
2022$1.38B7054
2023$5.42B7021
2024$545.7M2224
2025$1.45B221
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Finastra31.9%
  • Rapyd7.6%
  • Capital On Tap7.3%
  • Other companies53.2%

Funding by stage

510 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel262 51.4%
Series A–B122 23.9%
Series C+ / PE59 11.6%
Grants, debt & other67 13.1%

Recent recorded rounds

Latest recorded rounds · USD
4 rounds

Swipe or scroll horizontally to browse.

Seed04/2026
Ralio $2.5M

Backed by Sure Valley Ventures and Love Ventures and others.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series C05/2021
Teyateya.com$500M

Backed by Hedosophia and Tiger Global Management.

Series C11/2021
Teyateya.com$344.92M

Participating investors were not recorded in this snapshot.

Series E08/2021
Rapydrapyd.net$300M

Backed by Target Global and Altimeter Capital and others.

Series F03/2025
Rapydrapyd.net$250M

Backed by XBO and Dragoneer Investment Group and others.

Series D05/2022
Paddle$200M

Backed by KKR and FTV Capital and others.

Series D11/2025
Zilch$175M

Backed by KKCG and BNF Capital.

Series B07/2025
Xelixxelix.com$160M

Backed by Insight Partners and Passion Capital and others.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Annual accounts for reporting companies linked to this landscape, on like-for-like currency and reporting bases.

Expand panel +
GBP · millions · consolidated

Display conversions use the dated reference rates above. Where a verified rate is unavailable, figures retain their source currency. Each reporting cohort keeps its currency and accounting basis separate.

FY2024 · annual statements grouped by reported fiscal year; exact entity periods remain on preview rows · 19 reporting entities from 425 eligible matches.

Revenue in covered accounts£40.0m

Sum of reporting-entity revenue; not the United Kingdom market sales.

Net profit / loss£-50.3m

Combined result for the same cohort.

Aggregate net margin-125.9%

Combined net income ÷ combined revenue.

Median company revenue£0.4m

The middle covered reporting entity.

Profitable entities+57.9%

11 of 19 covered entities.

Top-five concentration+91.0%

Share of covered revenue from the five largest entities.

Annual account trend

Reported cohort totals by year; coverage is stated for every period.

Bar height shows revenue. Changes in coverage can affect totals.

Profitability has two perspectives

FY2024 · 19 reporting entities

Open the company accounts

Up to eight fixed company previews show financial amounts. Search and sort the wider company list, then continue in Radar.

19 reporting entities
Continue your financial research in Radar

Explore full company accounts and filings.

View financials in Radar ↗
THE UNITED KINGDOM · INDUSTRY COHORTS

How does payments infrastructure compare?

Each pair uses the same year, currency and reporting basis. Cohort overlap is disclosed.

IndustryCovered / eligibleRevenue totalMedian revenueNet profit / lossAggregate marginProfitable shareOverlap

Available-account cohorts are not estimates of whole industries. Overlapping entities can occur in more than one cohort; do not add cohort totals.

Coverage, calculations & financial sources

Filed annual accounts for exact designated national identifiers. Every aggregate and peer pair uses one fiscal year, source currency and reporting basis; periods, coverage and overlap are explicit; 2026 partials are excluded.

The same up to eight reporting entities remain open across years, filters and sorts. Other company figures are available in Radar.

Source currencies and accounting bases stay separate. Missing accounts are excluded rather than treated as zero. Exact reporting periods appear on company previews. Annual totals can change with coverage and do not measure growth of a fixed company cohort.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the the United Kingdom companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

40 of the 1,184 companies on this page carry a measured traffic record (3.4%); these are the largest of those, by monthly visits. The median among them is 238,953 visits.

CompanyMonthly visitsAuthorityMobile
TrueLayertruelayer.com25,312,6354097.4%
Paysafepaysafe.com8,086,7434196.2%
Skrillskrill.com7,206,1466271.4%
ParentPayparentpay.com6,979,7626090%
Tokentoken.io6,564,7063298.7%
Worldpayworldpay.com5,387,9834857.2%
GoCardlessgocardless.com2,688,8106369.2%
Utility Warehouseuw.co.uk2,244,7024986.2%
Taptap Sendtaptapsend.com1,944,9334483.1%
myPOSmypos.com961,4805170.2%

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

188 of these companies (15.9%) publish at least one Android app — 795 apps in all, carrying 99.8M installs between them.

AppInstallsRatingStore category
Moniepoint Personal BankingMoniepoint22.8M4.6Finance
Skrill - Fast, secure paymentsSkrill17.9M4.5Finance
Moniepoint Business BankingMoniepoint17.3M4.7Finance
Taptap Send: Money TransferTaptap Send14.8M4.8Finance
WorldRemit: Money Transfer AppWorldRemit10.6M4.7Finance
Neteller – Fast PaymentsNeteller5M4.1Finance
Utility WarehouseUtility Warehouse868K4.8Business
Remit Choice: Money TransferRemit Choice799.5K3.8Finance
myPOS GlassmyPOS742.5K—Finance
KYC VerificationCashMaal718.1K3.6Business

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2024Q1–2026Q2).

SegmentAppsInstallsLeading appRelease trend
Digital Remittance8252.5MSkrill - Fast, secure payments 17.9M
Payments70151.8MMoniepoint Personal Banking 22.8M
Banking Tech1640.5MMoniepoint Business Banking 17.3M
Alternative Lending640MEbury 2.6K
Finance & Accounting Tech331.8MInvoice Maker by Billdu 504.6K
Professional Consumer Services2940KUtility Warehouse 868K
In Store Retail Tech9805.2KmyPOS Glass 742.5K
Forex Tech7691.5Knsave: Global USD Accounts 494.3K

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

Release cadence by quarter

New apps published, beside apps whose most recent update landed in that quarter — the second bar is how much of the shelf is still being maintained.

2023Q2: 52023Q2: 52023Q22023Q3: 72023Q3: 212023Q32023Q4: 62023Q4: 702023Q42024Q1: 82024Q1: 262024Q12024Q2: 52024Q2: 662024Q22024Q3: 92024Q3: 432024Q32024Q4: 72024Q4: 382024Q42025Q1: 62025Q1: 422025Q12025Q2: 92025Q2: 442025Q22025Q3: 92025Q3: 1142025Q32025Q4: 92025Q4: 402025Q42026Q1: 72026Q1: 782026Q1

Darker bars are new releases, lighter bars apps updated. 214 of 795 apps carry a release date. The series ends at 2026Q1, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The the United Kingdom payments infrastructure market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Fintech1,171
Enterprise tech967
Enterprise software623
Commerce enablers585
Consumer digital319
Saas250
Cfo stack214
Blockchain in financial services48
Web 3.022
Marketplaces20
Retail pos solutions18
Travel fintech18

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

Fintech

The largest measured segment in this report snapshot.

1171companies
3.5%have hiring activity

41 companies hiring · $16.59B disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Subscription932
Commission on transaction700
E-commerce - service382
Fee-for-service208
Advertising25
E-commerce - product24
Physical commerce11
Lending8
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

Expand panel +
Recent corporate headlines 10 dated reports
Mergers & acquisitionsequiniti.com ↗

Bullish has entered into a definitive agreement to acquire Equiniti, a leading global transfer agent serving nearly 3,000 issuer clients.

Funding roundsebury.com ↗

Santander will invest 50 million pounds (67.4 million dollars) in its international payment technology company Ebury, as part of a round of financing totalling 550 million pounds, according to the Spanish banking giant.The funding rounds are being led by a group formed by Centerbridge Partners, along with current shareholders Santander, Vitruvian Partners and 83North.

Funding roundslemfi.com ↗

LemFi has committed GBP £100 million to the UK economy over the next five years

Mergers & acquisitionsryftpay.com ↗

Cyera, the leading AI security platform, has acquired Ryft, an innovative Israeli data lake startup, to enhance its capabilities in agentic AI security.

Mergers & acquisitionscabpayments.com ↗

CAB Payments has agreed an increased £287 million takeover offer from American payments giant StoneX – but any deal will require the blessing of substantial activist investor Helios Consortium.

Mergers & acquisitionsmoniepoint.com ↗

Moniepoint has completed the acquisition of Sumac Microfinance Bank in Kenya, following approvals from the Central Bank of Kenya and the Competition Authority of Kenya. The transaction follows other recent corporate moves by Moniepoint, including the purchase of Orda Africa, a cloud‑based restaurant management provider, and Bancom Europe, a financial institution licensed for electronic money services by the UK’s Financial Conduct Authority.

Mergers & acquisitionsaccesspay.com ↗

Beringea, the transatlantic venture capital investor, has today announced the sale of its stake in AccessPay, the leading bank integration provider, as part of a majority investment by Accel-KKR.

Mergers & acquisitionscaxton.io ↗

Caxton Associates LLP acquired a new position in MP Materials during the second quarter worth about $132,238,000.

Funding roundssokin.com ↗

Mishcon de Reya has advised global payments group Sokin on all UK aspects of a $100 million syndicated secured venture debt facility led by Oxford Finance LLC, acting as agent and lead lender.

Funding roundskrillpay.com ↗

KrillPay – A borderless digital wallet delivering affordable, inclusive fintech services across the U.S., Sub‑Saharan Africa, and Canada.

Full recorded event mix

Top 10 categories among 564 recorded events in the 24-month window.

Leadership moves
121
Funding rounds
101
Mergers & acquisitions
79
New products
55
Earnings
51
Company announcements
37
Contracts
35
Regulatory
32
Buyback
16
Capital infusions
16
7 activity cards

Swipe or scroll horizontally to browse.

IPO pipeline

2 companies with recorded IPO activity

IPO · LSE2 reports

Ebury ↗

IPO · London Stock Exchange1 reports

Leadership moves

32 tracked people moves

PayPoint ↗
Manasi Bhalerao

Appointment Independent Non-Executive Director

TrueLayer ↗
Stefano De Lollis

Appointment Head of ecommerce

Finastra ↗
Chris McClellen

Appointment Global Head of AI

Sokin ↗
Tom Steer

Appointment Chief Financial Officer

Finastra ↗
Na

Appointment Vice President, DAMA

Finastra ↗
Vinay Mendonca

Appointment Head of Product Trade and Supply Chain Finance

Paysafe ↗
Rupert Keeley

Appointment non‑executive director

Paysafe ↗
Karin Timpone

Appointment non‑executive director

Product launches

Products, platforms and features in the recorded window

multi-currency SWIFT service

Payments / Cross‑border banking

Finastra ↗
Finastra Essence

Core Banking System

3S Money ↗
local French IBANs

Payment service

Finastra ↗
OperatorAssist

Payments

LemFi ↗
Global Accounts

Financial solution

Revving ↗
RevHub

Customer Portal

Moniepoint ↗
Moniebook

POS and inventory‑management platform

World First ↗
WorldFirst Enterprise Solution

Financial services / API solution

Regulatory events

34 recorded events

Moniepoint ↗

deposit-taking license granted

LemFi ↗

registered as Payment Service ProviderBank of Canada

TrueLayer ↗

Approved acquisitionSwedish Financial Supervisory Authority

Finseta ↗

approval granted for Dubai operation

Litigation

5 tracked suits

Company
Investors of Paysafe Limited v paysafe

alleged securities laws violationsSecurities Fraud · Ongoing

Company
Investors in Paysafe Limited (NYSE: PSFE) shares v paysafe

Alleged violations of Federal Securities LawsCivil ·

Earnings pulse

Reported company results in the recorded window.

10companies
51period observations
8.0%median reported growth

Median across 43 reported growth observations; companies may contribute multiple periods.

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
bullish→Equiniti ↗Announced2026-05-05$4.2B
Fortifi→deighton manufacturingAnnounced2026-04-27Not stated in snapshot
cyera→Ryft ↗Announced2026-04-23Not stated in snapshot
stonex→CAB Payments ↗Announced2026-04-16Not stated in snapshot
Moniepoint→Sumac Microfinance Bank LimitedCompleted2026-04-02Not stated in snapshot
Moniepoint→Orda AfricaAnnounced2026-04-02Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

111 postings in the preceding 12 months. The full 214-posting snapshot covers 8 employers.

Expand panel +

Most advertised job titles

Account Manager1
Account Manager (Bi Lingual Spanish Required)1
Pension Administrator Fixed Term Contract1
Business Development Manager/Regional Football Representative (Ireland)1
1 internship postings

14 tracked postings mention remote work.

The seniority mix

3 postings specify a level.

unspecified
211
manager
3

Skills employers mention

Top skills across 214 tracked postings in the available jobs snapshot.

Docker
22
Terraform
20
Go
18
Sql
17
Python
17
Aws Sqs
14
Kubernetes
14
Aws
13
Postgresql
13
Payments
11
THE PEOPLE BUILDING THE FIELD

Founders and leaders

551 founders and chief executives across 413 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

84 profiles with education records.

University of Oxford
15
Imperial College London
10
University of Cambridge
9
London School of Economics and Political Science
5
University College London
4
King’s College London
4
Columbia University
3
INSEAD
3

Prior employers

18 profiles with prior-work records.

McKinsey
7
Goldman Sachs
3
Microsoft
3
Morgan Stanley
2
Boston Consulting Group
2
Uber
1

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

191,587 articles in the measured 12-month window.

Expand panel +
191,587articles in the measured year
37,050articles in 2026Q1
38.4%positive tone in the latest complete year

News volume trends

Payments Infrastructure coverage across United Kingdom · articles per complete quarter

024,51949,03973,55898,0782021Q2: 28,9692021Q22021Q3: 31,0452021Q4: 28,3472022Q1: 32,5972022Q2: 32,1422022Q22022Q3: 33,6712022Q4: 37,1082023Q1: 38,5672023Q2: 38,1742023Q22023Q3: 37,1792023Q4: 35,0642024Q1: 38,7642024Q2: 42,4122024Q22024Q3: 42,2642024Q4: 45,3622025Q1: 60,3462025Q2: 42,5142025Q22025Q3: 85,2852025Q4: 29,0332026Q1: 37,0502026Q1
View quarterly article counts
QuarterArticles
2021Q228,969
2021Q331,045
2021Q428,347
2022Q132,597
2022Q232,142
2022Q333,671
2022Q437,108
2023Q138,567
2023Q238,174
2023Q337,179
2023Q435,064
2024Q138,764
2024Q242,412
2024Q342,264
2024Q445,362
2025Q160,346
2025Q242,514
2025Q385,285
2025Q429,033
2026Q137,050

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
43,556 positive · 19,194 neutral · 32,650 negative
2022
61,954 positive · 29,852 neutral · 43,554 negative
2023
71,253 positive · 36,618 neutral · 40,954 negative
2024
73,199 positive · 56,279 neutral · 39,186 negative
2025
83,403 positive · 88,551 neutral · 45,030 negative

Leading coverage topics

Payments Infrastructure coverage across United Kingdom · ranked by full-period article count.

Geopolitical Disputes And Contested Areas300,926 articles in the full recorded period
61,746 recent · 46,322 prior
International And Transnational Geographic Entities300,922 articles in the full recorded period
61,747 recent · 46,323 prior
Administrative And Political Subdivisions300,896 articles in the full recorded period
61,740 recent · 46,323 prior
Cryptocurrency Impact On Forex Markets35,713 articles in the full recorded period
5,568 recent · 3,925 prior
International Political Relations24,565 articles in the full recorded period
4,445 recent · 2,633 prior
Security And Defense Policies14,291 articles in the full recorded period
2,704 recent · 1,579 prior
International Relations And Diplomacy11,756 articles in the full recorded period
2,081 recent · 1,295 prior
Macroeconomic Indicators In Forex Analysis10,635 articles in the full recorded period
1,228 recent · 1,668 prior
Regulatory Compliance In Foreign Exchange Trading10,154 articles in the full recorded period
1,795 recent · 814 prior
Central Bank Monetary Policies Impacting Forex9,560 articles in the full recorded period
1,013 recent · 1,387 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Payments Infrastructure coverage across United Kingdom

KeywordRecentPriorChange
countries2,4151,014138%
tariff negotiations1,280436194%
stock performance96550990%
exchange rates81948071%
stablecoin fx impact77839597%
free trade deals736216241%
forex liquidity688211226%
decentralized forex59534771%
usd/cad57339047%
trade dispute mechanisms571151278%
inflation reports fx7791,381-44%
currency intervention policies8311,272-35%
sanctions currency effects5771,055-45%
trade deficits fx601905-34%
cpi forex430816-47%

Event and signal lenses

Payments Infrastructure coverage across United Kingdom

All complete annual cohorts shown
Rising

Regulatory Risk

732,449 classified articles

territories, disputed islands, countries

23.9% critical · 15.6% positive
Rising

Funding Momentum

63,957 classified articles

inflation reports fx, currency intervention policies, eur/usd

43.6% critical · 42.2% positive
Rising

Growth

110,870 classified articles

gdp growth forex, inflation reports fx, currency intervention policies

34.9% critical · 47.4% positive

Payments Infrastructure coverage across United Kingdom. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Payments Infrastructure research is working on

24,130 papers in the recorded worldwide scope.

Expand panel +
24,130papers
24,130worldwide comparison pool
—India-affiliated papers

Research orientation

Descriptive
7,441
Promising
6,662
Problem-identifying
5,340
Breakthrough
1,922
Cautionary
1,570
Comparative
873
Critical
322

Contribution mix

Empirical
14,345
Methods-led
4,931
Reviews
2,126
Position pieces
2,064
Theoretical
664

Tone counts: 20,970 positive · 1,336 neutral · 1,824 negative.

Common problems researchers identify
5,662 papers · 23.5% of this field
  • Payment3,621 papers
  • Mobile payment1,829 papers
  • Payment system841 papers
  • Financial inclusion529 papers
  • Payment service provider488 papers
  • Mobile device438 papers
  • Financial services430 papers
  • Mobile banking389 papers

Landmark: Beyond Mobile Payments: Exploring the Evolution and Future of Fintech (BY IJISRT)

Cautions
1,570 papers · 6.5% of this field
  • Payment1,050 papers
  • Mobile payment482 papers
  • Financial inclusion287 papers
  • Payment system197 papers
  • Financial services195 papers
  • Database transaction133 papers
  • Mobile banking115 papers
  • Digital currency95 papers

Landmark: Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution

Opportunities
8,584 papers · 35.6% of this field
  • Payment5,460 papers
  • Mobile payment2,950 papers
  • Payment system1,156 papers
  • Database transaction1,015 papers
  • Financial inclusion873 papers
  • Computer security696 papers
  • Financial services662 papers
  • Mobile banking547 papers

Landmark: The long-run poverty and gender impacts of mobile money

Leading institutions

Georgetown University
3,453
Massachusetts Institute of Technology
2,881
National Bureau of Economic Research
2,378
Swansea University
2,164
Universidad de Granada
1,970
Innovations for Poverty Action
1,312

Leading researchers

Tavneet Suri
3,688
William Jack
3,465
Francisco Liébana‐Cabanillas
1,906
Yogesh K. Dwivedi
1,733
Mushtaq Ahmad Shah
1,634
Khomane Harish
1,632
Shradha
1,632
Kutlu Hansda
1,632

Highly cited breakthrough-labelled papers

  • Behavioural intention to adopt mobile wallet: a developing country perspective321 citations
  • An integrated framework for the adoption and continuance intention to use mobile payment apps289 citations
  • Bitcoin meets strong consistency224 citations
  • Monopoly without a Monopolist: An Economic Analysis of the Bitcoin Payment System223 citations
  • Mobile payments adoption – introducing mindfulness to better understand consumer behavior213 citations

Common problems researchers identify

5,077 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Core Payment System ChallengesCommon problems researchers identify · 01

Core Payment System Challenges

1,178 papers

23.2% of this theme group

Researchers examine fundamental issues in payment processing, settlement mechanisms, and service provider operations.

Payment system (621) · Payment (1,132) · Payment service provider (245) · Settlement (113)

New payment systems

Payment system technologies and functions : innovations and developments

View research history
YearShare index
202250.4
202348.7
202450.1
202575.8
Mobile Payment Security ConcernsCommon problems researchers identify · 02

Mobile Payment Security Concerns

949 papers

18.7% of this theme group

Studies highlight privacy risks and security vulnerabilities affecting mobile payment adoption.

Mobile payment (899) · Payment (794) · Computer security (114) · Internet privacy (81)

User Acceptance Testing of Mobile Payment in Various Scenarios

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

View research history
YearShare index
20221083.4
20231045.9
2024711.4
2025276.5
Cryptocurrency and Digital Currency RisksCommon problems researchers identify · 03

Cryptocurrency and Digital Currency Risks

816 papers

16.1% of this theme group

Works discuss technical and regulatory obstacles surrounding crypto‑based payment methods.

Cryptocurrency (161) · Payment (716) · Digital currency (151) · Currency (136)

Digital Payments: Blockchain based Security Concerns and Future

Demystifying Electronic Payment Systems and Digital Currencies

View research history
YearShare index
2022414.3
2023439.0
2024372.3
2025376.3
Mobile Technology Integration BarriersCommon problems researchers identify · 04

Mobile Technology Integration Barriers

700 papers

13.8% of this theme group

Papers identify obstacles in deploying mobile computing solutions for business payments.

Mobile technology (236) · Mobile device (274) · Mobile computing (199) · Mobile business development (183)

Mobile Learning

Mobile application challenges

View research history
YearShare index
2022273.4
2023222.5
2024209.1
2025260.2
Mobile Banking Implementation IssuesCommon problems researchers identify · 05

Mobile Banking Implementation Issues

600 papers

11.8% of this theme group

Research points to legal, practical, and infrastructural challenges in mobile banking services.

Mobile banking (283) · Mobile payment (438) · SMS banking (57) · Financial services (113)

THE POTENTIAL INNOVATIVE STRATEGIES OF USING MOBILE MONEY SYSTEMS FOR ENHANCING FINANCIAL INCLUSION IN TANZANIA

Assessment of Legal and Practical Challenges Affecting Mobile Banking: Case Study of Tanzania

View research history
YearShare index
202291.5
2023108.9
202498.6
2025123.1
Financial Inclusion ObstaclesCommon problems researchers identify · 06

Financial Inclusion Obstacles

425 papers

8.4% of this theme group

Analyses focus on gaps preventing underserved populations from accessing digital financial services.

Financial inclusion (337) · Financial services (212) · Inclusion (52) · FinTech (66)

Financial Inclusiveness : The role of mobile money and digital financial services.

The Future Is Mobile: Financial Inclusion and Technological Innovation in the Emerging World

View research history
YearShare index
202277.5
2023104.2
202499.9
2025140.5
Healthcare Reimbursement ComplexitiesCommon problems researchers identify · 07

Healthcare Reimbursement Complexities

409 papers

8.1% of this theme group

Studies explore difficulties in aligning payment models with health system performance goals.

Health care (147) · Reimbursement (71) · Payment (389) · Incentive (78)

Using Physician Payment Reform to Enhance Health System Performance

Challenges and suggestions on reform of provider payment system of medical services

View research history
YearShare index
2022291.6
2023284.4
2024210.4
2025253.6

Cautions

1,356 papers · 7 recurring themes
7 cards

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User Trust and Risk PerceptionCautions · 01

User Trust and Risk Perception

275 papers

20.3% of this theme group

Investigations caution that consumer confidence and perceived risk heavily influence mobile payment usage.

Mobile payment (175) · Mobile device (37) · Mobile technology (22) · Payment (134)

A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments

An Exploration of the Factors Affecting User's Satisfaction with Mobile Payments

View research history
YearShare index
2022244.0
2023193.0
2024167.0
2025224.8
Systemic Liquidity and Settlement RisksCautions · 02

Systemic Liquidity and Settlement Risks

220 papers

16.2% of this theme group

Research warns of liquidity pressures and settlement vulnerabilities within large‑value payment networks.

Market liquidity (52) · Payment (203) · Settlement (46) · Payment system (80)

Systemic risk and liquidity in payment systems

Quantifying the Economic Benefits of Payments Modernization: the Case of the Large-Value Payment System

View research history
YearShare index
202284.5
202386.3
202459.5
202578.7
Consumer Spending Behavior ImpactsCautions · 03

Consumer Spending Behavior Impacts

218 papers

16.1% of this theme group

Papers caution that digital payment adoption can alter spending patterns in unpredictable ways.

Payment (204) · Database transaction (60) · Cash (40) · Mobile payment (62)

Impact Of Digital Payment Systems On Consumer Spending Habits

“ <b>Impact of Digital Payment Systems on Consumer Spending Behaviour”</b>

View research history
YearShare index
2022349.5
2023334.8
2024214.6
2025285.0
Regulatory Gaps for InclusionCautions · 04

Regulatory Gaps for Inclusion

194 papers

14.3% of this theme group

Analyses highlight insufficient policy frameworks hindering mobile financial services for the unbanked.

Financial inclusion (176) · Financial services (102) · Inclusion (32) · Mobile payment (106)

Mobile Money for Financial Inclusion

A Systematic Review of Mobile Banking, Fintech Innovations, and Regulatory Gaps to Achieve Financial Inclusion in the Philippines

View research history
YearShare index
202277.5
2023104.2
202499.9
2025140.5
Context‑Specific Adoption BarriersCautions · 05

Context‑Specific Adoption Barriers

177 papers

13.1% of this theme group

Studies note regional economic and cultural factors that limit mobile money uptake.

Mobile payment (98) · Tanzania (13) · Payment (76) · Monetary economics (11)

Payment Mechanisms and Antipoverty Programs: Evidence from a Mobile Money Cash Transfer Experiment in Niger

Factors influencing consumers’ adoption of mobile financial services in Tanzania

View research history
YearShare index
2022228.6
2023252.4
2024144.1
202573.9
Provider Response to New Payment ModelsCautions · 06

Provider Response to New Payment Models

152 papers

11.2% of this theme group

Research observes how healthcare providers adjust practices under novel reimbursement schemes.

Reimbursement (36) · Health care (41) · Prospective payment system (33) · Payment (148)

Impacts of Diagnosis-Related Groups Payment on the Healthcare Providers’ Behavior in China: A Cross-Sectional Study Among Physicians

Hospital response to a new case-based payment system in China: the patient selection effect

View research history
YearShare index
2022216.0
2023212.2
2024170.4
2025202.2
Emerging Digital Currency UncertaintiesCautions · 07

Emerging Digital Currency Uncertainties

120 papers

8.8% of this theme group

Works caution about the unsettled implications of central bank digital currencies and crypto assets.

Digital currency (76) · Cryptocurrency (53) · Currency (47) · Payment (104)

Central Bank Digital Currencies and payments: A review of domestic and international implications

Cryptocurrencies, Big Techs, central bank digital currencies and the changing role of banks in the payment industry: old wine in new bottles

View research history
YearShare index
2022414.3
2023439.0
2024372.3
2025376.3

Opportunities

7,530 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Advanced Payment System DesignOpportunities · 01

Advanced Payment System Design

1,328 papers

22.1% of this theme group

Opportunities focus on innovative architectures and information systems for next‑generation payments.

Payment (1,268) · Payment system (591) · Health care (67) · Information system (64)

Measuring payment system development

Design and Research of Virtual Payment System in Colleges and Universities

View research history
YearShare index
2022312.2
2023298.1
2024249.9
2025299.4
Mobile Money ExpansionOpportunities · 02

Mobile Money Expansion

1,014 papers

16.9% of this theme group

Research highlights growth potential for mobile banking and payment services in developing markets.

Mobile payment (513) · Mobile business development (112) · Mobile technology (125) · Mobile device (201)

Mobile Money: Cell Phone Banking in Developing Countries

An Analysis of Features and Tendencies in Mobile Banking Apps

View research history
YearShare index
2022244.5
2023193.5
2024167.0
2025225.9
Adoption Modeling and User AcceptanceOpportunities · 03

Adoption Modeling and User Acceptance

861 papers

14.3% of this theme group

Studies develop predictive models to understand factors driving mobile payment uptake.

Mobile payment (685) · Technology acceptance model (159) · Payment (631) · Structural equation modeling (137)

Enjoyment and social influence: predicting mobile payment adoption

Mobile payment adoption: a multi-theory model, multi-method approach and multi-country study

View research history
YearShare index
2022233.3
2023216.1
2024140.7
2025190.0
Blockchain‑Based Payment SolutionsOpportunities · 04

Blockchain‑Based Payment Solutions

809 papers

13.5% of this theme group

Works explore distributed ledger technologies for secure and transparent digital transactions.

Blockchain (158) · Payment (724) · Cryptocurrency (127) · Database transaction (284)

Blockchain Based Architecture and Solution for Secure Digital Payment System

Towards a distributed token based payment system using blockchain technology

View research history
YearShare index
2022281.4
2023270.8
2024191.7
2025251.0
Financial Literacy and Digital PaymentsOpportunities · 05

Financial Literacy and Digital Payments

793 papers

13.2% of this theme group

Research links improved financial knowledge to higher adoption of digital payment tools.

Payment (682) · Database transaction (140) · Financial literacy (58) · Payment system (150)

Pengaruh Financial Knowledge, Perceived Ease of Use Serta Peran E-Commerce Terhadap Minat UMKM dalam Menggunakan Aplikasi Digital Payment

The Influence of Digital Financial Literacy on Digital Payment Adoption and Its Impact on the Financial Performance of MSMEs

View research history
YearShare index
2022165.6
2023177.7
2024120.3
2025200.0
Secure Mobile Transaction TechnologiesOpportunities · 06

Secure Mobile Transaction Technologies

663 papers

11.1% of this theme group

Papers propose robust authentication and encryption methods for safe mobile payments.

Computer security (347) · Mobile payment (431) · Authentication (120) · Near field communication (82)

A secure mobile electronic payment architecture platform for wireless mobile networks

Secure remote mobile payment architecture and application

View research history
YearShare index
2022860.4
2023832.8
2024549.5
2025211.1
FinTech for InclusionOpportunities · 07

FinTech for Inclusion

532 papers

8.9% of this theme group

Studies demonstrate how fintech innovations can broaden financial services for underserved groups.

Financial inclusion (479) · Financial services (297) · Inclusion (85) · FinTech (107)

Mobile banking for financial inclusion in a developing economy

Fintech and Financial Inclusion: Evaluating the Impact of Mobile Banking on SME Growth in Sub-Saharan Africa

View research history
YearShare index
202277.5
2023104.2
202499.9
2025140.5

How this field compares with the research baseline

Orientation shares compared with 25,000 papers in the reference sample.

Research orientationThis fieldReference sample
Descriptive30.8%17.7%
Promising27.6%36.8%
Problem-identifying22.1%9.7%
Breakthrough8.0%26.3%
Cautionary6.5%4.6%
Comparative3.6%3.9%
Critical1.3%0.9%

Concerns receiving less research attention

Counts and shares refer to the stated research pool. A low count describes how much of that research is recorded here, not the absence of a real-world concern.

Concern / example paperPapersShareRaised as a problemWorldwide share
Privacy & surveillanceIncentives for Mobile Crowd Sensing: A Survey2,12310.02%672 (31.7%)10.02%
Labour & data workMobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy470.22%23 (48.9%)0.22%
Concentration of compute powerThe Economic Fallout of Exclusion of the Islamic Republic of Iran from the SWIFT International Payment Network410.19%23 (56.1%)0.19%
Safety & misuseWhispers of Wealth: Red-Teaming Google's Agent Payments Protocol via Prompt Injection80.04%4 (50.0%)0.04%
Bias & fairnessThe Impact of Mobile Data Cost on Consumer Price Sensitivity: A Study of a Hotel Booking App70.03%2 (28.6%)0.03%
Energy & datacenter footprintThe nexus between fintech and green finance in advancing sustainable performance across countries30.01%0 (0.0%)0.01%
Hardware, e-waste & supply chainA REVIEW ON MOBILE ELECTRONIC WASTE RECYCLING AMONG MALAYSIAN USERS30.01%1 (33.3%)0.01%
Water use00.0%0 (%)0.0%
Carbon & emissions of compute00.0%0 (%)0.0%

Institution and researcher rankings use citations to their covered work. Research scope: worldwide. This may be broader than the company geography.

GEOGRAPHIC FOOTPRINT

Where companies are based

Company counts, hiring and disclosed funding across the recorded hubs.

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8 cards

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UNDERSTAND THE LANDSCAPE

Payments Infrastructure in the United Kingdom: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

KEEP EXPLORING

Put the United Kingdom in context

All landscapes ↗

Company ecosystem snapshot: 31 August 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
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