Research and insights | Payments NZ

For more than a decade, Payments Direction has helped inform the future of payments in Aotearoa New Zealand through strategic research, industry engagement and independent analysis.

Our consumer research, environmental scans, reports, discussion papers, whitepapers and opportunity assessments explore the trends, technologies and challenges shaping the payments ecosystem. These insights help form an important evidence base for the ecosystem that shapes future investment and decision making.

Browse the research and insights below to explore how industry thinking has evolved over time and continues to support an interoperable, innovative, safe, open and efficient payments ecosystem for Aotearoa.

Reports and whitepapers

Payments NZ Digital Identity May 2024 Workshop Paper

A workshop hosted by Payments NZ explored how digital identity can enhance the security, inclusivity, and efficiency of payment systems in Aotearoa New Zealand.

615.8 KB

Payments NZ Consumer Research 2024

The research highlights trends in consumer preferences and attitudes, including preferred payment methods, comfort with data sharing for open banking, satisfaction with bank payments, future payment concepts and more.

3.0 MB

API Centre Payments NZ Looking Ahead Open Banking

A report from the API Centre on open banking and its future. Published in 2023.

3.1 MB

Payments NZ Consumer Research 2022

The results of our research to understand how Kiwi consumers like to pay – today and into the future. This research is part of our Payments Direction strategic programme, which focuses on the evolving future of payments.

356.8 KB

Payments Direction: 2022 Environmental Scan Report

Our environmental scan introduces six new themes examining the global trends and influences that are likely to impact Aotearoa New Zealand’s payments ecosystem over the next decade.

1.7 MB

Payments Modernisation Plan

Our Payments Modernisation Plan sets out a future view on the wider payments ecosystem in 2030 and the capabilities required to deliver that. Published in 2020.

1.2 MB

Payments Direction: 2021 Environmental Scan Report

This scan looked at global developments in the world of payments. It builds on earlier work to identify the global trends and influences likely to impact the New Zealand payments ecosystem over the next decade.

2.2 MB

Payments NZ Consumer Research 2020

The results of our consumer research into how Kiwis like to pay now and into the future. This research built on the work our Payments Direction strategic programme has been doing for the past 12 months, around the evolving future of payments.

585.9 KB

Payments NZ 2020 Environmental Scan Refresh

This scan looked at the themes from our 2019 environmental scan report and assesses them against the developments that have occurred in the year since.

1.8 MB

Payments Direction: 2019 Environmental Scan Report

This environmental scan looked at the global trends and influences likely to impact the New Zealand payments ecosystem. Our findings both confirm and extend previously identified themes.

1.4 MB

Payments Direction: 2018 Environmental Scan Refresh

This scan looked at the themes from our 2017 environmental scan report and assesses them against the developments that have occurred in the year since.

781.5 KB

Payments Direction: 2017 Environmental Scan Report

This is the full report from our 2017 scan which identifies that payments ecosystems around the world are evolving at unprecedented rates.

3.1 MB

Payments Direction: 2016 Environmental Scan Refresh

This scan looked at the themes from our original (2015) environmental scan and assesses them against the developments that have occurred in the year since.

533.0 KB

Payments Direction: Payments 2025 Report

A report on the future payments ecosystem in 2025 released. Published in 2015.

11.2 MB

Payments Direction: Insights and Perspectives - Results Summary

Key findings from the Payments Direction initiative surveys of New Zealand consumers, businesses and payments organisations. Published in 2015.

3.0 MB

Payments Direction: 2015 Environmental Scan Report

Consolidated findings from our Payments Direction environmental assessment.

5.4 MB

Re-mastering Payments Messaging - a Payments NZ Discussion Paper

A BECS commissioned strategic feasibility study exploring richer file formats and the modernisation of the BACHO file format to a format like ISO 20022. Published in 2015.

628.6 KB

Benchmarking New Zealand's Payment Systems

This report assesses New Zealand against 10 to 15 comparable countries, across all payment systems and payment instruments. Published in 2015.

2.5 MB

Payments Now - a Payments NZ Research Paper

A Payments NZ research paper investigating the world of real-time payment systems. Published in 2015.

1.7 MB

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