Payments in 2025 and Beyond

What You Can Do After This Chapter

Learning objective. Learner explains one leg out, CBPR+ after migration, open banking and cryptocurrencies, and applies them in a 2026-ready payment product design. Learner uses real examples with amounts, banks and message names to show how the topic works in practice.

Practical assessment. Learner designs a 2026-ready payment product for a business paying suppliers in three currencies, combining ISO 20022 messaging, an open banking payment initiation flow and a stablecoin settlement option, then presents the flow, the controls and the open risks in a short product pack. Learner submits all work with sources, calculations and assumptions stated clearly, and reviews the result against the chapter checklist before submission.

Expected deliverables.

• One-page 2026-ready product summary
• End-to-end product flow diagram
• Control and failure-path table
• Open risks register with owners

Completion criterion. Learner presents a coherent product pack that combines all three elements, with clear controls, failure paths and at least three named open risks. Completion is judged on accuracy, completeness and clear written explanation throughout.