There is a wide breadth of niches in which innovation is flourishing in the payments space. From crypto payments to the adoption of buy-now-pay-later options, changes in transactions have driven credit bureaus and banks to accommodate new payment options.

Included in this Trendline:

• Crypto creeps into the checkout line
• BNPL growth prompts change from credit bureaus
• Community banks form payments network to compete with Zelle