Optimize financial transactions with a digital payments ecosystem

Enhance transactions with the right payments solutions

Our payments infographic provides an overview of how payments technology has evolved over the years and why it has become a crucial focus area for enterprises in the Third Digital Wave we call Digital HyperExpansion™. 

Connect with Photon to build a secure digital payments ecosystem and maximize digital ROI. 


The payments industry is growing more complex as emerging technologies and changing customer expectations spur disruption. As customers adopt a digital-first, personalized payment behavior, bank’s long-held consumer assumptions face challenges like fraud protection, technical integration, omnichannel payment systems, and high processing fees. 

As we rapidly move towards "digital-living" in the third wave of digital, known as Digital HyperExpansion, the digital payments landscape continues to diversify. This is evident by the emergence of new digital payments products and services such as cryptocurrencies, e-payments, micro-lending, crowdsourcing, and payment platforms.  

The digital payment industry is pivotal for banks and financial institutions to maintain a strong CX by transforming their payment processing, remaining relevant for their customers, and protecting themselves from the value chain's disintermediation risks. Payment providers are increasingly using the power of digital to create customer-centric models. This has created an effective third-party marketplace, accelerating innovation in the payments market. 

The infographic below presents an overview of payments technology industry and explains why it is a critical competency for business that are urgently moving beyond digital transformation and adapting to Digital HyperExpansion. 


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The Complete Guide to Payments Technology
The Complete Guide to Payments Technology
The Complete Guide to Payments Technology

Download our guide to learn how we help Fortune 500 brands integrate essential payments technologies to optimize their financial transactions lifecycle.

Get the Guide Integrate crucial payments technology
Integrate crucial payments technology