Over the last three years, over $2 billion has been invested in expanding the payments industry due to the technological disruption that is taking place. The pace of investment is accelerating with the confluence of changes on account of innovation (APIs, open banking, P2P), standards (SWIFT GPII, NPP) and regulatory (PSD2) commitments. Payments around the world are undergoing radical transformation across the entire value chain starting from the way we initiate payments to the clearing and settlement mechanisms. Banks need to adopt these disruptive payment strategies in order to maintain a competitive advantage and avoid falling behind. With over 25 years of experience in the payments industry,