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This IDC White Paper sponsored by Temenos examines the current state of payment technology and payment product strategies for financial institutions in a rapidly changing global environment. The financial services industry is undergoing significant evolution, with payments playing a key role in the changes. Driven by new networks, technologies, business models, and customer expectations, banks are being forced to change the way they think about payments. Legacy payment infrastructure is transforming into flexible platforms with new deployment models to keep up with rapid change in a historically slow-moving market. The survey of 199 financial institution leaders across several geographic regions provides insights into strategies and challenges related to payments transformation.