EMEA Payments Infrastructure Reset What payment infrastructure needs to deliver next

EMEA Payments Infrastructure Reset examines ten trends impacting payments across Europe, the Middle East and Africa, including real-time payments, AI-powered fraud, digital wallets, ISO 20022 and Open Finance. Written by MS Solutions Group’s payment experts, the white paper explores their operational implications and regional differences. It outlines the software capabilities institutions need to modernise existing systems, strengthen fraud controls, connect payment services and improve visibility across processing, clearing and settlement.

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Real-time payments, evolving fraud threats, digital wallets and changing regulatory requirements are placing new demands on payment systems across Europe, the Middle East and Africa.

Which changes matter most for your institution and what capabilities should you prioritise?

Written by MS Solutions Group’s payment experts, this white paper examines 10 technology and infrastructure trends, their operational implications, and the capabilities banks, processors and payment providers need to address them.

What you’ll find inside

  • Ten trends shaping payment infrastructure: from AI-powered fraud and instant payments to tokenisation, intelligent routing and Open Finance.
  • The implications for payment operations: understand the requirements behind continuous processing, richer payment data, interoperability and financial visibility.
  • A regional perspective: explore the different priorities facing institutions across Africa, Europe and the Middle East.
  • MS Solutions Group’s perspective: discover how SPARK’s modular architecture connects payment capabilities across issuing, acceptance, switching, fraud, clearing and settlement.

Where should your payment modernisation priorities begin?

New payment services introduce requirements across the entire transaction lifecycle. Connecting to a new rail, supporting a digital wallet or improving fraud detection also raises questions about integration, data quality, processing resilience and operational control.

This white paper connects market developments with the software capabilities required to support them, helping you assess your existing infrastructure and inform your next investment decisions.

Designed for leaders in payments, technology, operations, risk and digital transformation.

Meet our payments experts behind our latest whitepaper

  • Moez El Ghali

    Chief Executive Officer

  • Manel Harrathi

    VP Global Strategic Partnership

Complete the form to donwload our latest whitepaper issued October 2026

EMEA PAYMENTS INFRASTRUCTURE RESET : Technology, regulatory & infrastructure shifts impacting banks, processors & payment providers
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