IT Spending by Mobile Payment Service Providers

IT Spending by Mobile Payment Service Providers Market Outlook

The global IT spending by mobile payment service providers was valued at approximately USD 100 billion in 2025 and is projected to reach around USD 200 billion by 2035, exhibiting a compound annual growth rate (CAGR) of 7.5% during the forecast period. This growth can be attributed to the increasing adoption of mobile payment solutions, driven by the rising penetration of smartphones and the growing demand for cashless transactions. Furthermore, as consumers become more inclined towards digital payment methods, the need for secure, efficient, and innovative payment solutions is augmenting, thereby propelling investments in IT infrastructure and services within the mobile payment sector. Regulatory support and advancements in technologies such as blockchain and biometrics are also facilitating the development of more robust mobile payment systems, encouraging greater market participation.

Growth Factor of the Market

The mobile payment service providers' IT spending market is primarily driven by several key growth factors. Firstly, the global shift towards digitalization is prompting businesses and consumers to adopt mobile payment solutions, increasing the demand for efficient IT infrastructure. Secondly, the rise in e-commerce activities is leading to a surge in transactions processed via mobile wallets and payment processing systems, thereby necessitating enhanced IT spending. Additionally, growing concerns regarding fraud and data security have led to increased investments in advanced fraud management and analytics solutions. The emergence of innovative technologies such as Artificial Intelligence (AI) and blockchain is further transforming the mobile payment landscape, allowing providers to offer more secure, user-friendly, and efficient services. Moreover, the rapid proliferation of smartphones and internet connectivity in emerging markets is creating lucrative opportunities for mobile payment service providers, driving additional IT expenditures across the industry.

Key Highlights of the Market

• The mobile payment sector is witnessing a rapid increase in transaction volumes, accelerating IT investments.
• Adoption of advanced technologies like AI, blockchain, and biometrics is reshaping the mobile payment landscape.
• Fraud management and security solutions are among the top areas of IT spending to protect consumer data.
• Emerging markets are experiencing a significant uptick in mobile payment adoption, providing growth opportunities.
• Integration of mobile wallets with e-commerce platforms is driving higher IT spending for seamless payment solutions.

By Product Type

Hardware:

The hardware segment of IT spending encompasses various physical devices essential for mobile payment processing. This includes Point of Sale (POS) terminals, contactless payment devices, and capable server infrastructure. As businesses increasingly shift towards accepting mobile payments, demand for state-of-the-art hardware has soared. The introduction of NFC-enabled devices further facilitates seamless transactions, enhancing customer experience and driving sales. Service providers are keen to invest in robust and reliable hardware to ensure efficient and secure transactions. This segment is projected to witness steady growth as more retailers and service providers integrate mobile payment solutions into their operations, leading to increased IT spending in hardware infrastructure.

Software:

The software segment plays a crucial role in mobile payment systems, encompassing payment processing software, mobile wallet applications, and security software. The growing integration of AI and machine learning into these applications is enhancing their functionality and security, prompting increased IT spending in software development and upgrades. Mobile payment service providers are focusing on developing user-friendly interfaces and robust back-end solutions to streamline transactions. As the digital payment landscape evolves, companies are increasingly investing in software solutions that facilitate faster, safer, and more efficient transactions. This segment is positioned for notable growth, driven by the need for continuous innovation and adaptation to customer preferences in the mobile payment domain.

Services:

IT services encompass the support, maintenance, and consultancy required for mobile payment solutions. This segment is vital as mobile payment service providers look to enhance their offerings through managed services, payment support, and infrastructure management. With the increasing complexity of mobile payment ecosystems, businesses are allocating more funds towards service providers that deliver reliable and secure operational support. The growth in digitalization and mobile commerce is further fueling the demand for comprehensive services that ensure the smooth functioning of payment processes. As companies strive to maintain a competitive edge, investments in IT services are expected to witness significant growth over the forecast period.

Integration:

Integration services are critical in enabling seamless interoperability among various payment systems and platforms. This encompasses the integration of payment gateways with mobile applications, e-commerce sites, and back-end systems. As mobile payment providers seek to enhance customer experience and operational efficiency, investments in integration solutions are becoming crucial. The rapid evolution of payment technologies necessitates a coordinated approach to integrating new services and ensuring compatibility with legacy systems. Consequently, this segment is anticipated to grow, driven by the demand for cohesive payment strategies that offer customers a unified transaction experience across different platforms.

Maintenance:

The maintenance segment of IT spending focuses on the ongoing support and updates required for mobile payment systems. As cybersecurity threats become more sophisticated, mobile payment service providers are increasingly investing in maintenance services to ensure the security and functionality of their systems. Regular updates, troubleshooting, and performance monitoring are essential to avoid disruptions in services and maintain consumer trust. This segment is expected to grow in line with the overall increase in mobile payment transactions, as service providers recognize the necessity of maintaining robust systems to handle rising transaction volumes while ensuring compliance with evolving regulations.

By Application

Mobile Wallets:

Mobile wallets represent a significant area of IT spending in the mobile payment sector. These applications allow users to store payment information securely and conduct transactions using their smartphones. As consumer preferences shift towards digital solutions, investments in mobile wallet technologies have surged. Mobile wallet providers are focusing on enhancing user experience through features such as loyalty programs, transaction history, and security measures like biometric authentication. The increasing usage of mobile wallets for both online and offline purchases is driving IT spending, as providers seek to innovate and expand their offerings to capture a larger market share.

Payment Processing:

The payment processing application is at the core of mobile payment systems, facilitating transactions between consumers and merchants. This segment involves the backend technologies that ensure secure and efficient processing of payments. As the volume of digital transactions grows, mobile payment service providers are investing heavily in robust payment processing solutions capable of handling high transaction loads while minimizing fraud risk. The integration of AI and machine learning has enhanced the capabilities of payment processing applications, allowing for real-time analysis and fraud detection. This segment is poised for continued growth, driven by the expanding digital economy and increasing consumer reliance on mobile payments.

Fraud Management:

Fraud management applications are essential for safeguarding mobile payment transactions from unauthorized access and fraudulent activities. With the rise of cyber threats, mobile payment service providers are prioritizing investments in advanced fraud detection and prevention technologies. These solutions utilize real-time data analytics to identify suspicious behavior, ensuring secure and trustworthy transactions for consumers. The increasing sophistication of cyber attacks necessitates robust fraud management strategies, leading to higher IT spending in developing and implementing these solutions. As consumer awareness of security issues grows, the demand for effective fraud management applications is expected to drive growth in this segment.

Customer Service:

Customer service applications are integral to maintaining user satisfaction and loyalty in the mobile payment ecosystem. Investments in customer service technologies, such as chatbots and AI-driven support systems, are becoming increasingly important as companies seek to provide timely assistance to their users. Enhanced customer service capabilities can lead to improved user retention and a positive brand image, which is crucial in the competitive mobile payment landscape. As service providers focus on enhancing user experience, the demand for customer service applications is expected to rise, driving IT spending in this area.

Analytics:

Analytics applications enable mobile payment service providers to gather and analyze data related to transactions, user behavior, and market trends. These insights are invaluable for making informed business decisions and optimizing service offerings. As competition intensifies in the mobile payment sector, companies are increasingly investing in analytics tools to derive actionable insights that can help them enhance their services and target their marketing efforts more effectively. The growth of data-driven decision-making in the financial sector is expected to boost IT spending in analytics applications, as service providers recognize the importance of leveraging data to stay ahead in the market.

By Distribution Channel

Online:

The online distribution channel has emerged as a key driver of IT spending among mobile payment service providers. With the growing trend of e-commerce and online shopping, businesses are increasingly adopting mobile payment solutions to facilitate transactions on their platforms. Investments in online payment gateways, secure transaction processing, and user-friendly interfaces are essential for providing seamless online payment experiences. As consumer preferences shift towards convenience and speed, mobile payment providers are focusing on enhancing their online offerings, leading to increased IT spending in this segment. The continuing growth of online shopping is expected to further fuel investments in mobile payment solutions tailored for digital commerce.

Offline:

The offline distribution channel is equally vital for mobile payment service providers, particularly for brick-and-mortar businesses. The need for secure and efficient mobile payment solutions in physical stores is driving investments in hardware and software that enable point-of-sale transactions. Mobile payment providers are focusing on developing robust chip and contactless payment technologies to cater to consumers' demands for convenience. As the integration of mobile payment systems in retail environments becomes more prevalent, spending in the offline distribution channel is expected to grow significantly, reflecting the importance of providing a comprehensive payment experience across various consumer touchpoints.

Omnichannel:

The omnichannel distribution approach integrates both online and offline payment solutions, providing consumers with a seamless experience regardless of how they choose to transact. As businesses increasingly recognize the importance of offering a cohesive shopping experience, investments in omnichannel payment solutions are gaining traction. Mobile payment service providers are focusing on developing technologies that allow for seamless transitions between online and offline platforms, enhancing customer convenience. The growing consumer expectation for flexibility and ease of use is driving IT spending in this segment, as companies strive to implement effective omnichannel strategies that cater to diverse shopping preferences.

Mobile:

The mobile distribution channel is critical for mobile payment service providers, as it encompasses the direct use of mobile applications and devices for transactions. The rapid adoption of smartphones and mobile technology is propelling demand for mobile payment solutions, prompting increased IT spending in app development and mobile optimization. Mobile payment providers are keen to enhance their applications with features such as quick payment options, loyalty rewards, and personalized user experiences. As consumers increasingly turn to mobile devices for transactions, investments in mobile payment technologies are expected to grow significantly, driving progress within the sector.

By Ingredient Type

Cloud Computing:

Cloud computing represents a significant ingredient type in the mobile payment service providers' IT spending market. The cloud offers scalability, flexibility, and cost-efficiency, making it an ideal solution for mobile payment platforms that must adapt to fluctuating transaction volumes. Companies are increasingly adopting cloud-based payment processing systems to streamline operations and reduce infrastructure costs. The ability to access data and applications from anywhere enhances the operational capabilities of mobile payment providers, enabling them to deliver better services to their customers. As the demand for efficient and scalable payment solutions grows, investments in cloud computing are expected to play a pivotal role in the growth of IT spending in this sector.

Artificial Intelligence:

Artificial Intelligence (AI) is revolutionizing the mobile payment landscape by enhancing security, improving user experiences, and streamlining operations. IT spending on AI technologies is becoming increasingly essential as mobile payment service providers look to implement features such as predictive analytics, fraud detection, and personalized recommendations. The capabilities of AI in processing vast amounts of data enable providers to identify patterns and trends, leading to more informed decision-making. As competition intensifies, the integration of AI technologies into mobile payment systems is expected to drive significant growth in IT spending, allowing companies to offer more advanced and efficient services to their users.

Blockchain:

Blockchain technology is emerging as a transformative ingredient type for mobile payment service providers, offering enhanced security and transparency in transactions. This decentralized technology enables secure peer-to-peer transactions without intermediaries, reducing transaction costs and times. Investments in blockchain solutions are becoming increasingly important as companies seek to mitigate fraud risks and ensure compliance with regulatory requirements. The rise of cryptocurrencies and the growing acceptance of blockchain in traditional financial systems are driving IT spending in this area, positioning blockchain technology as a key player in the future of mobile payment solutions.

Biometrics:

Biometric technologies, including fingerprint scanning and facial recognition, are gaining traction in the mobile payment sector as providers prioritize security and user convenience. Investments in biometric authentication systems are becoming essential to enhance the security of mobile transactions and protect user data. As consumers seek secure payment solutions, the integration of biometric features into mobile payment applications is expected to drive IT spending significantly. The proliferation of biometric-enabled devices is further supporting this trend, enabling mobile payment service providers to offer cutting-edge security solutions that cater to the growing demand for safe and accessible payment methods.

API:

Application Programming Interfaces (APIs) are crucial for enabling seamless integration between various components of mobile payment systems. By facilitating communication between different software applications, APIs allow for efficient data transfer and interoperability within mobile payment ecosystems. Investments in API development and management are growing as service providers seek to enhance their offerings and streamline operations. The increasing demand for third-party integrations and partnerships in the mobile payment sector is driving IT spending in this area, as companies recognize the importance of building flexible and scalable solutions that cater to diverse customer needs.

By Region

The North American region is one of the largest markets for IT spending by mobile payment service providers, accounting for approximately 35% of the global market share in 2025. The region is characterized by a high penetration of digital payment solutions, driven by a tech-savvy population and advanced financial infrastructure. As mobile payments continue to gain traction, investments in IT solutions are expected to increase, with companies focusing on enhancing security measures and integrating innovative technologies. The CAGR for the North American mobile payment market is projected to be around 8% over the forecast period, reflecting the continued growth in digital payment adoption and advancements in payment technologies.

In Europe, IT spending by mobile payment service providers is also anticipated to witness significant growth, driven by the increasing adoption of cashless payment methods across countries. The European market is expected to account for approximately 30% of the global market by 2035, with a CAGR of 6.5%. Various factors are contributing to this growth, including the rising demand for secure payment solutions, the emergence of fintech companies, and supportive regulatory frameworks aimed at fostering digital payment innovation. As European consumers become more accustomed to mobile payment solutions, the market is set to expand, leading to increased investments in IT infrastructure and services.

Opportunities

The mobile payment service providers market is ripe with opportunities, particularly as consumer behavior continues to evolve towards digital and mobile solutions. One of the key opportunities lies in the emerging markets, where smartphone penetration is increasing rapidly. As more consumers in these regions gain access to mobile technology, there is a significant potential for mobile payment adoption. Service providers can strategically position themselves to capture this growing customer base by offering tailored solutions that cater to local preferences and payment habits. Additionally, partnerships with local businesses and integration with e-commerce platforms can further enhance market penetration and create new revenue streams.

Moreover, technological advancements present another avenue for growth within the mobile payment sector. The integration of Artificial Intelligence, Blockchain, and other cutting-edge technologies can significantly improve transaction security, processing speed, and customer experience. Providers that innovate and offer enhanced functionalities, such as loyalty programs, instant payment processing, and personalized services, are likely to attract a larger user base. Furthermore, as regulatory frameworks evolve to support digital payment solutions, companies that adapt quickly to these changes will have a competitive edge in capturing opportunities presented in the market. Overall, the landscape is conducive for mobile payment service providers to explore new horizons and expand their reach.

Threats

Despite the positive outlook, the mobile payment service providers' market faces several threats that could impact future growth. One of the primary threats is the increasing prevalence of cybersecurity threats, including data breaches and fraud. As mobile payment systems become more widely adopted, they attract the attention of cybercriminals looking to exploit vulnerabilities. Providers must invest significantly in advanced security measures to protect user data and maintain consumer trust. Failure to address these threats could result in substantial financial losses and reputational damage, hindering the growth of the mobile payment sector.

Additionally, regulatory challenges present a significant restraining factor for mobile payment service providers. The constantly changing regulatory landscape, particularly concerning data protection and payment processing standards, can pose compliance challenges for businesses. Navigating these regulations requires substantial resources and expertise, which may be particularly difficult for smaller service providers. As regulatory bodies tighten their oversight of digital payments, companies must remain vigilant and proactive to ensure compliance. This complexity may deter new entrants into the market, ultimately limiting competition and innovation in the mobile payment sector.

Competitor Outlook

• PayPal Holdings, Inc.
• Square, Inc.
• Stripe, Inc.
• Adyen N.V.
• Apple Pay
• Google Pay
• Samsung Pay
• Alipay
• WeChat Pay
• Visa Inc.
• Mastercard Incorporated
• Worldpay, Inc.
• Revolut Ltd.
• FIS Global
• Payoneer Inc.

The competitive landscape of the IT spending by mobile payment service providers market is characterized by a mix of established financial institutions, technology giants, and emerging fintech companies. The presence of numerous players fosters a dynamic environment where innovation and customer-centric solutions take precedence. Companies are increasingly focusing on enhancing their offerings through strategic partnerships, mergers, and acquisitions to gain a competitive edge. The ability to adapt to changing consumer preferences and technological advancements is paramount for success in this highly competitive arena. As a result, service providers are investing heavily in research and development to create solutions that resonate with users and streamline payment processes.

Prominent companies, such as PayPal and Square, lead the market by offering user-friendly payment solutions and integrating advanced technologies to enhance security and efficiency. PayPal, for instance, has established itself as a trusted digital payment platform, facilitating transactions for millions of users worldwide. With a focus on innovation, the company continuously explores new features, such as instant money transfers and cryptocurrency support. Similarly, Square, known for its point-of-sale solutions, is leveraging its technology to expand into online payment processing and e-commerce, showcasing its adaptability in a rapidly changing market.

Other notable players, such as Stripe and Adyen, cater to businesses looking for comprehensive payment processing solutions. Stripe has built a reputation for its developer-friendly platform, enabling businesses to embed payment processing capabilities into their web and mobile applications seamlessly. Adyen, on the other hand, focuses on providing an omnichannel payment solution, allowing merchants to manage transactions across various sales channels efficiently. As competition intensifies, these companies are likely to continue prioritizing innovation and customer experience to solidify their positions in the market.

• 1 Appendix

  • 1.1 List of Tables
  • 1.2 List of Figures

• 2 Introduction

  • 2.1 Market Definition
  • 2.2 Scope of the Report
  • 2.3 Study Assumptions
  • 2.4 Base Currency & Forecast Periods

• 3 Market Dynamics

  • 3.1 Market Growth Factors
  • 3.2 Economic & Global Events
  • 3.3 Innovation Trends
  • 3.4 Supply Chain Analysis

• 4 Consumer Behavior

  • 4.1 Market Trends
  • 4.2 Pricing Analysis
  • 4.3 Buyer Insights

• 5 Key Player Profiles

  • 5.1 Alipay
    • 5.1.1 Business Overview
    • 5.1.2 Products & Services
    • 5.1.3 Financials
    • 5.1.4 Recent Developments
    • 5.1.5 SWOT Analysis
  • 5.2 Apple Pay
    • 5.2.1 Business Overview
    • 5.2.2 Products & Services
    • 5.2.3 Financials
    • 5.2.4 Recent Developments
    • 5.2.5 SWOT Analysis
  • 5.3 Visa Inc.
    • 5.3.1 Business Overview
    • 5.3.2 Products & Services
    • 5.3.3 Financials
    • 5.3.4 Recent Developments
    • 5.3.5 SWOT Analysis
  • 5.4 Adyen N.V.
    • 5.4.1 Business Overview
    • 5.4.2 Products & Services
    • 5.4.3 Financials
    • 5.4.4 Recent Developments
    • 5.4.5 SWOT Analysis
  • 5.5 FIS Global
    • 5.5.1 Business Overview
    • 5.5.2 Products & Services
    • 5.5.3 Financials
    • 5.5.4 Recent Developments
    • 5.5.5 SWOT Analysis
  • 5.6 Google Pay
    • 5.6.1 Business Overview
    • 5.6.2 Products & Services
    • 5.6.3 Financials
    • 5.6.4 Recent Developments
    • 5.6.5 SWOT Analysis
  • 5.7 WeChat Pay
    • 5.7.1 Business Overview
    • 5.7.2 Products & Services
    • 5.7.3 Financials
    • 5.7.4 Recent Developments
    • 5.7.5 SWOT Analysis
  • 5.8 Samsung Pay
    • 5.8.1 Business Overview
    • 5.8.2 Products & Services
    • 5.8.3 Financials
    • 5.8.4 Recent Developments
    • 5.8.5 SWOT Analysis
  • 5.9 Revolut Ltd.
    • 5.9.1 Business Overview
    • 5.9.2 Products & Services
    • 5.9.3 Financials
    • 5.9.4 Recent Developments
    • 5.9.5 SWOT Analysis
  • 5.10 Square, Inc.
    • 5.10.1 Business Overview
    • 5.10.2 Products & Services
    • 5.10.3 Financials
    • 5.10.4 Recent Developments
    • 5.10.5 SWOT Analysis
  • 5.11 Stripe, Inc.
    • 5.11.1 Business Overview
    • 5.11.2 Products & Services
    • 5.11.3 Financials
    • 5.11.4 Recent Developments
    • 5.11.5 SWOT Analysis
  • 5.12 Payoneer Inc.
    • 5.12.1 Business Overview
    • 5.12.2 Products & Services
    • 5.12.3 Financials
    • 5.12.4 Recent Developments
    • 5.12.5 SWOT Analysis
  • 5.13 Worldpay, Inc.
    • 5.13.1 Business Overview
    • 5.13.2 Products & Services
    • 5.13.3 Financials
    • 5.13.4 Recent Developments
    • 5.13.5 SWOT Analysis
  • 5.14 PayPal Holdings, Inc.
    • 5.14.1 Business Overview
    • 5.14.2 Products & Services
    • 5.14.3 Financials
    • 5.14.4 Recent Developments
    • 5.14.5 SWOT Analysis
  • 5.15 Mastercard Incorporated
    • 5.15.1 Business Overview
    • 5.15.2 Products & Services
    • 5.15.3 Financials
    • 5.15.4 Recent Developments
    • 5.15.5 SWOT Analysis

• 6 Market Segmentation

  • 6.1 IT Spending by Mobile Payment Service Providers Market, By Application
    • 6.1.1 Mobile Wallets
    • 6.1.2 Payment Processing
    • 6.1.3 Fraud Management
    • 6.1.4 Customer Service
    • 6.1.5 Analytics
  • 6.2 IT Spending by Mobile Payment Service Providers Market, By Product Type
    • 6.2.1 Hardware
    • 6.2.2 Software
    • 6.2.3 Services
    • 6.2.4 Integration
    • 6.2.5 Maintenance
  • 6.3 IT Spending by Mobile Payment Service Providers Market, By Ingredient Type
    • 6.3.1 Cloud Computing
    • 6.3.2 Artificial Intelligence
    • 6.3.3 Blockchain
    • 6.3.4 Biometrics
    • 6.3.5 API
  • 6.4 IT Spending by Mobile Payment Service Providers Market, By Distribution Channel
    • 6.4.1 Online
    • 6.4.2 Offline
    • 6.4.3 Omnichannel
    • 6.4.4 Mobile

• 7 Competitive Analysis

  • 7.1 Key Player Comparison
  • 7.2 Market Share Analysis
  • 7.3 Investment Trends
  • 7.4 SWOT Analysis

• 8 Research Methodology

  • 8.1 Analysis Design
  • 8.2 Research Phases
  • 8.3 Study Timeline

• 9 Future Market Outlook

  • 9.1 Growth Forecast
  • 9.2 Market Evolution

• 10 Geographical Overview

  • 10.1 Europe - Market Analysis
    • 10.1.1 By Country
      • 10.1.1.1 UK
      • 10.1.1.2 France
      • 10.1.1.3 Germany
      • 10.1.1.4 Spain
      • 10.1.1.5 Italy
  • 10.2 Asia Pacific - Market Analysis
    • 10.2.1 By Country
      • 10.2.1.1 India
      • 10.2.1.2 China
      • 10.2.1.3 Japan
      • 10.2.1.4 South Korea
  • 10.3 Latin America - Market Analysis
    • 10.3.1 By Country
      • 10.3.1.1 Brazil
      • 10.3.1.2 Argentina
      • 10.3.1.3 Mexico
  • 10.4 North America - Market Analysis
    • 10.4.1 By Country
      • 10.4.1.1 USA
      • 10.4.1.2 Canada
  • 10.5 Middle East & Africa - Market Analysis
    • 10.5.1 By Country
      • 10.5.1.1 Middle East
      • 10.5.1.2 Africa
  • 10.6 IT Spending by Mobile Payment Service Providers Market by Region

• 11 Global Economic Factors

  • 11.1 Inflation Impact
  • 11.2 Trade Policies

• 12 Technology & Innovation

  • 12.1 Emerging Technologies
  • 12.2 AI & Digital Trends
  • 12.3 Patent Research

• 13 Investment & Market Growth

  • 13.1 Funding Trends
  • 13.2 Future Market Projections

• 14 Market Overview & Key Insights

  • 14.1 Executive Summary
  • 14.2 Key Trends
  • 14.3 Market Challenges
  • 14.4 Regulatory Landscape

Segments Analyzed in the Report

The global IT Spending by Mobile Payment Service Providers market is categorized based on

By Product Type

• Hardware
• Software
• Services
• Integration
• Maintenance

By Application

• Mobile Wallets
• Payment Processing
• Fraud Management
• Customer Service
• Analytics

By Distribution Channel

• Online
• Offline
• Omnichannel
• Mobile

By Ingredient Type

• Cloud Computing
• Artificial Intelligence
• Blockchain
• Biometrics
• API

By Region

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key Players

• PayPal Holdings, Inc.
• Square, Inc.
• Stripe, Inc.
• Adyen N.V.
• Apple Pay
• Google Pay
• Samsung Pay
• Alipay
• WeChat Pay
• Visa Inc.
• Mastercard Incorporated
• Worldpay, Inc.
• Revolut Ltd.
• FIS Global
• Payoneer Inc.