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This report is part of Ovum’s annual Global Payment Insight Survey and focuses on an overview of all the sectors surveyed. It is one part of a four-part series that also looks at billing organizations, retailers, and retail banks.


  • 33% of organizations are increasing their investments in their payments infrastructure by 5% or more in the next 18–24 months.
  • 93% of respondents across all sectors cited improving infrastructure as a key driver behind their additional payments investment. This is followed closely by security (88%).

Features and Benefits

  • Understand how payment organizations across the value chain are investing in their payments infrastructure and what is driving this investment.
  • Assesses the impact that SaaS delivery models are having on payments planning.

Key questions answered

  • What's driving investment in payments today? What are the key technologies organizations are focused on?
  • How important is security as an investment driver? Are back-office or front-end drivers more critical in 2017?

Table of contents


  • Catalyst
  • Ovum view
  • Key messages


  • Recommendations for enterprises
  • Recommendations for vendors

Investment levels are high across the payments landscape

  • The pace of payments investments is increasing year over year
  • The high level of investment in payments is consistent across all sectors

The benefits of payments modernization are recognized, but new challenges are emerging

  • Confidence in new payment capabilities is rising but an omnichannel view of customers is becoming more difficult
  • Payments infrastructure remains at the forefront of investment
  • Merchants risk underplaying the threat of CNP fraud

Organizations are seeking new ways to improve their payments capabilities

  • A majority of enterprises are likely to move some payments infrastructure to SaaS/cloud-delivery models
  • Merchants and billers would benefit from closer integration between payments and ERP systems
  • Whether regulator-mandated or not, many banks are making strategic decisions around open APIs


  • Methodology
  • Author

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