A clearer view of payment economics

The Payment Economics is an independent observatory of the economics of payments.

We combine official data, original research, first-hand industry evidence to explain how payment economics are evolving, and what those changes mean across the ecosystem.

Why subscribe?

One flagship research edition each month, combining market analysis, comparative data, and perspectives from across the payment industry. Shorter notes are published when new evidence warrants them.

Our editorial standard

OFFICIAL SOURCES · ORIGINAL RESEARCH · MARKET EXPERTISE · PRACTITIONER TESTIMONY

Evidence before opinion. We cite our sources, distinguish facts from interpretation, and disclose our methodologies and their limitations.

Editorial independence

The Payment Economics was initiated by ORYJIN but is editorially independent. It is not a product-marketing channel: research priorities and conclusions are guided by editorial relevance and the strength of the evidence.

Contribute to the research

We welcome anonymised data, first-hand experience, and expert perspectives from across the industry.