Payments and commerce are being disrupted as consumers and corporates are demanding speed, convenience and simplicity. Banking and payments are being radically altered as the industry marches towards digital services. New entrants are providing the market with new tools and incumbents are feeling threatened. For the third year running ACI has partnered with technology research firm Ovum to conduct a global survey of merchant retailers, retail banks and billing organizations. This session will cover the latest results, which will be published in Q2 2017.