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This week: 2020 Challengers vs Incumbents, M&A, Pricing Strategies, Market Shares, Growth vs Profit
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New data, new insights on cross-border payments. Every week.
 

This is our last letter of the year  :( 

But don't worry, we'll be back in January after a short break. We'll wrap everything up with five big questions heading into 2020.

Expect a lot more from us in 2020, both our industry-leading pricing data and some new products. 

And finally, a holiday gift request from us. If you've enjoyed the letter this year, please forward this letter to two new people and suggest they sign up ready for 2020.

1. Which challengers become incumbents?

Ten years ago was a watershed for the sector with so many of the current bigger challengers just starting out. In 2020, some of them will solidify their position in the sector and we'll start calling them incumbents.

Note - this was also one of our most popular mappings of the year. If you don't have a copy, make sure you download it here:
Download the incumbents versus challengers map

2. Who will be bought? Who is for sale?

Will some of the most interesting deals of 2019 - Ant Financial buying WorldFirst, Visa acquiring Earthport - and some of the mega-mergers be surpassed in 2020? As incumbents look for new capabilities and scale, we expect some of the more well known names in the space to be active in the M&A world.

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3. What new pricing strategies will emerge?

Pricing is becoming more sophisticated. We're delighted to have brought on a significant number of banks and payment companies in 2019 to deliver them the best data in the sector.

The leading players in the industry rely on our live pricing data and historical pricing data across 4,400 corridors. Get in touch to learn more.
Get the best pricing data in the industry

4. Who'll gain the most market share?

Western Union has had its best year in the past decade from a stock price perspective as it launched its platform. Its revenue and margins remain the envy of the industry. Will TransferWise catch up? What will happen to MoneyGram?

What's the consumer market share globally?

5. Who will focus on growth, who on profit?

Profitability is still highly variable across the sector. Which companies will switch strategy from chasing growth to sustainable profit?

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On our radar this week:
Curated by FXC Intelligence's Team
Citi & PayPal's partnership expands
Citi's institutional clients will be able to pay into PayPal's digital wallets
Finextra
 
TransferWise's Canadian partner
EQ Bank will integrate TransferWise to offer quicker international payments
TransferWise
 
FCA: probing open banking
Call for input on whether to extend consumers' data access beyond banks
Reuters
Swift KYC Registry goes live
Corporate groups can manage and share KYC data with global partners
Finextra

Missed the last few weeks?

The major Canadian cross-border payments partnerships (here)
Inside Payoneer's acquisition of optile (here)
Will TransferWise reach zero-cost transfers (here)
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Wishing all our readers a Happy Holidays and a wonderful New Year!

Daniel
Copyright © 2019 FXC Intelligence Ltd, All rights reserved.

New York | London

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