Stay informed with industry insights and updates.
In our articles, we explore the innovations and trends that are shaping the future of payments, highlighting how new technologies are creating smoother and more trustworthy experiences for both businesses and consumers. Stay tuned as we dive into the topics that matter most in the ever-evolving world of payments.
Category: Article
Artificial intelligence is transforming the payments industry at pace, and the scale of AI in payments is now impossible to overlook. McKinsey's 2025 Global Payments Report identifies AI as one of three structural forces redefining the sector, alongside fragmentation and the rise of tokenised money.
Category: Whitepaper
Open Banking in North America is evolving from an environment dominated by unregulated data collection towards structured, API-driven models that enable secure data sharing, regulatory alignment and new business value. As consumer expectations shift towards connected, real-time financial services, API‑first Open Banking is increasingly central to enhanced customer experiences, Banking‑as‑a‑Service models and long-term competitiveness, despite ongoing regulatory review.
Category: Whitepaper
Cards remain the preferred payment method across Europe, but issuer expectations and market dynamics are rapidly evolving. Consumers increasingly expect instant issuance, intuitive digital controls and transparent pricing, while financial institutions face rising pressure from regulatory change, legacy infrastructure and digital-native competitors. To respond, issuers are rethinking their operating models and turning to Cards‑as‑a‑Service (CaaS) as a modern, cloud‑native alternative to traditional card issuing.
Category: Article
HPS participated to the SPARK Matrix Vendor Guide evaluation and ranked “Technology Leader”.
Category: Whitepaper
Asia is setting the global standard for digital payments. With mobile-native consumers, real-time payment networks and modern cloud architecture, the region has rapidly shifted to digital-first financial services. Financial institutions are now redesigning their payment infrastructure to meet rising expectations, improve efficiency and stay competitive.
Category: Article
In today’s ever-evolving world, banks and financial institutions need to adapt and constantly offer new payment products and services. To do so, they need to rely on a powerful yet flexible platform that could support their requirements, both for today and for tomorrow.
Category: Article
HPS participated to the SPARK Matrix Vendor Guide evaluation and ranked “SPARK Leader”.
Category: Whitepaper
Beyond generative AI, organisations are now witnessing the emergence of agentic AI — systems capable of reasoning, deciding and acting autonomously to achieve business goals.
Category: Case study
HPS, in collaboration with the Central Bank of Morocco, launched the first mobile switch platform in Africa, enabling seamless interoperability between banks, payment institutions, Fintechs, PSPs, merchants and FMCGs. Powered by PowerCARDSwitch, this national platform is accelerating Morocco’s transition from a cash-based economy to a digitally inclusive one.
Category: Whitepaper
Payment infrastructure modernization is no longer optional. As digital commerce accelerates, financial institutions face growing pressure from customer expectations, new payment methods, fraud risks, and regulatory change.