Market Trends

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Sources: SEC 10-K filings of Visa, Mastercard, American Express and Discover

Sources: SEC 10-K filings of Visa, Mastercard, American Express and Discover

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Source: InfinityCX proprietary experience.

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Sources: Global Payments Report 2025, Worldpay (https://www.worldpay.com/en/global-payments-report); InfinityCX proprietary experience; Expert Webinar 5 Reasons to Move to Mobile Licenses and Permits, ACI Worldwide (https://go.aciworldwide.com/LetsGetDigital_Registration.html); FedNOW Instant Payments, Federal Reserve (https://www.frbservices.org/financial-services/fednow); State of Online Payments, InvoiceCloud (https://discover.invoicecloud.com/2023_State_of_Online_Payments_Report.html)

Source: FedNOW Instant Payments, Federal Reserve.

Source: InfinityCX proprietary experience.

Source: InfinityCX proprietary tools, https://InfinityCX.com