Payment atomisation - seven years on

Seven years ago, I wrote here about the acceleration of electronic payment volumes due to emerging new business models enabled by technology. These allow us to pay in the moment, at the point of need causing payments to atomise – the transition from lower volumes of higher value transactions to higher volumes of lower value transactions. For example, buying items online everyday instead of shopping weekly/monthly in a store, paying in installments rather than with a single payment or getting paid daily instead of monthly.

Evidence shows payment atomisation is happening today, but at a gradual pace. As such, it tends to be “under the radar” in the payments industry.  However as digital business models and technology develop, for example in the fast-growing creator economy, micropayments and perhaps automated AI agents will provide impetus to the forces driving payments atomisation.

More here on payment atomisation trends with figures and graphs to illustrate https://jeremylight.substack.com/p/got-a-lot-o-payin-to-do?r=axqgy