In 2023, card payment volume in the EU grew by 10.7% YoY, up from 7.8% YoY in 2022. Who's capturing this growth?

Every major U.S. player has a presence in Europe, and yet, European Worldline and Nexi are still the largest acquirers in the region

Adyen might have overestimated the power of its product and underinvested in its sales teams. As it turns out, even great products need to be sold.

PayPal spent $5.3 billion to acquire Zettle, Hyperwallet, and Paidy businesses, and now hardly mentions them on the earnings calls

Square is lagging badly behind the competition in growth. Jack Dorsey’s return to the company might have something to do with it.

Yeah, I read that Discover was created by Sears. It was also part of Morgan Stanley for a short period of time!

On their investor day, Amex said their aspiration is to reach 80% merchant coverage in France, Italy, Germany, Sweden and Finland by 2026

On their investor day in May, Amex said international acceptance was one of their highest priorities. And they have been making impressive progress in target markets.

The real problem is consumer presumption of lack of amex acceptance.

True! They mentioned that too. Technical acceptance level is not the same as consumer or even merchant awareness.

Visa and Mastercard require card issuers to post billions in collateral to protect themselves from settlement risk. However, that settlement risk rarely materializes into losses for the schemes

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