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However, there are several challenges could hinder both new and established market players in their bid to provide the fast and seamless payments experience that SMBs and consumers want. This fragmented, complex ecosystem drives up costs, slows down settlement, presents compliance challenges, and prevents transparency with every transaction.
Cloud-based and modular architectures simplify integration, enhance innovation, and reduce complexity, empowering paymentinstitutions to stay competitive in an evolving landscape. For instance, the UK and Europe, despite having long-established real-time payment systems, still face challenges in realising their full potential.
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