The Distillery #4: MEF & Home Office Plot A2P SMS Fraud Fightback
In this edition:
- Pix Automático launches next month — why it's set to supercharge Brazil’s instant payments ecosystem
- Smart traffic systems shift gears — SaaS to drive $20bn market by 2027
- Why MEF and the UK Home Office are teaming up against A2P SMS fraud
- Our latest insights on BNPL, private networks, AI in fintech, and MVNO-in-a-Box
FINTECH & PAYMENTS
Pix Automático to Drive Next Phase of Instant Payments in Brazil
Brazil’s Pix system is set to take a major step forward next month with the launch of Pix Automático (Automatic Pix) on June 16th.
Designed for services such as subscriptions, tuition, and utilities, Pix Automático will allow consumers to authorise recurring payments with a single approval via their banking app. Pix is already one of the most successful instant payment systems globally; recording over 6 billion transactions in March 2025 alone.
Distilled…
🟣 Brazil is a powerhouse for instant payments, with our latest data predicting transaction volumes will surge 94% between 2025 and 2028. The driving force? Pix — thanks to its pivotal role in boosting financial inclusion. Pix Automático builds on this momentum; making recurring payments accessible to millions without credit cards.
🟣 Cost will be a big draw for merchants. While Pix Automático requires more setup than standard Pix, its lower transaction fees compared to credit cards — still the default for recurring payments in Brazil — make it a compelling cost-saving alternative.
🟣 There’s a lot for consumers to love too. Pix Automático gives users full control over their recurring payments through the Pix app, with simple authorisation, monitoring, and cancellation. Payments are processed via secure account debits; removing the usual headaches of expired cards, fraud, or credit limits.
SUSTAINABILITY & SMART CITIES
SaaS Set to Power $20bn Smart Traffic Market by 2027
Smart traffic management is definitely picking up speed. Our newest research shows the market is set to hit $20 billion by 2027 — up from $15 billion this year, thanks to new sustainability goals and the need to address rapid urbanisation; particularly in emerging markets.
While challenges like legacy systems and tight budgets remain, progress is underway. The real game-changer? Modular, service-based solutions that make it easier, more affordable, and flexible for cities to adopt new technology.
Distilled…
🟣 Sustainability is a major accelerator. Smart traffic systems are gaining traction as governments look to cut emissions and reduce urban congestion. With urban populations swelling, particularly in developing regions, the need for scalable, future-ready infrastructure is urgent.
🟣 The real breakthrough? SaaS. Subscription-based models are becoming critical to making smart traffic systems more accessible; especially for smaller cities and local authorities. By lowering upfront costs and offering modular add-ons such as AI-powered analytics, vendors can deliver quicker ROI and build trust.
🟣 Vendors who play it smart now could double their opportunity. If SaaS becomes standard practice, the market could swell to $32 billion by 2030. With sensor costs dropping and analytics tools becoming more sophisticated, the next few years could redefine urban mobility.
TELECOMS & CONNECTIVITY
MEF and Home Office Team Up to Strengthen A2P SMS Anti-fraud
The UK is stepping up its response to telecom fraud. Earlier this week, at MEF Connects Business Messaging, the Mobile Ecosystem Forum (MEF) and the UK Home Office hosted a joint session on the latest updates to the UK Telecom Fraud Charter — due to be finalised this autumn.
The goal? To build a tougher, more unified front against A2P SMS fraud and strengthen both the UK Telecom Fraud Charter and MEF’s Business SMS Code of Conduct.
Distilled…
🟣 The scale of the challenge is clear. Our latest research puts losses from fraudulent SMS scams last year at $98.6 billion; highlighting the urgent need for stronger measures.
🟣 Industry input will shape the next wave of anti-fraud. The Home Office will work closely with key messaging players — including mobile operators and CPaaS providers — tapping into their unique market visibility to build smarter, more effective initiatives.
🟣 It’s time to name and shame. The Home Office plans to publicly report breaches of the Code of Conduct, aiming to deter bad actors and mirror recent actions by the FCC in the US.
🟣 Expect tighter coordination across the board, with Ofcom, the NCSC, and UK law enforcement driving more effective, joined-up enforcement. However, with A2P SMS fraud still making headlines globally, these efforts must be matched by regulators worldwide to fully close existing gaps in the ecosystem.
ICYMI
Signal Boost
💰 Click to Pay and bank-backed wallets are on the rise, while Buy Now, Pay Later is losing steam amid growing competition and tighter regulations.
🛡️ Private networks are on the rise, with deployments set to surge by 2030 as businesses double down on data control, security, and real-time threat response.
🤖 Fintech’s excitement around AI is starting to fade, as barriers to broader adoption mount — raising the question: are we in a bubble, or a shift toward more sustainable, strategic use?
📱 And finally, why are fintech players such as Revolut and N26 launching their own mobile network offerings?
Latest research, whitepapers & press releases
-
ReportSeptember 2025Fintech & Payments
Instant Payments Market: 2025-2030
Juniper Research’s Instant Payments research suite provides a wide-ranging and strategic analysis of this market; enabling stakeholders - from banks, infrastructure providers, regulators, and businesses - to understand future growth, key trends, and the competitive environment.
VIEW -
ReportSeptember 2025Fintech & Payments
Anti-money Laundering Systems Market: 2025-2030
Our AML Systems research suite provides a detailed and insightful analysis of this evolving market; enabling stakeholders from financial institutions, law enforcement agencies, regulatory bodies and technology vendors to understand future growth, key trends, and the competitive environment.
VIEW -
ReportSeptember 2025Fintech & Payments
A2A Payments Market: 2025-2030
Our A2A Payments research suite provides detailed analysis of this rapidly changing market; enabling A2A payments service providers to gain an understanding of key payment trends and challenges, potential growth opportunities, and the competitive environment.
VIEW -
ReportSeptember 2025Telecoms & Connectivity
Mobile Messaging Fraud Prevention Market: 2025-2030
Our Mobile Messaging Fraud Prevention research suite provides a detailed and insightful analysis of a market set for significant disruption over the next five years. It enables stakeholders from mobile operators, enterprises, and mobile messaging fraud prevention vendors to understand how the market for mobile messaging fraud will evolve, as well as the impact of AI, RCS, and the evolving competitive environment.
VIEW -
ReportSeptember 2025Sustainability & Smart Cities
Smart Grid Market: 2025-2030
Our cutting-edge Smart Grid research suite provides a comprehensive view of a market at the forefront of the global energy transition. It examines the major disruptions transforming the sector, from the integration of distributed energy resources and the rise of virtual power plants to the growing role of AI-driven intelligence and the mounting need for robust cyber security and compliance.
VIEW -
ReportSeptember 2025Fintech & Payments
eCommerce Payments Market: 2025-2030
Juniper Research’s eCommerce Payments research suite provides a comprehensive and insightful analysis of this market; enabling stakeholders, from eCommerce payment platform providers to merchants and payment service providers, to understand future growth, key trends, and the competitive environment.
VIEW
-
WhitepaperSeptember 2025Fintech & Payments
Core Banking Transformation - A Strategic Conversation with SAP Fioneer
Core banking transformation is no longer optional, as regulatory change, rising compliance costs, and shifting customer expectations make legacy systems unsustainable. Anna Koritz, Global Head of Transaction Banking at SAP Fioneer, shares how banks can overcome cultural and technical hurdles and why SAP Fioneer’s modular, cloud-ready approach enables confident modernisation.
VIEW -
WhitepaperSeptember 2025Fintech & Payments
From Detection to Prevention: The Next Era of Anti-money Laundering
Our complimentary whitepaper, From Detection to Prevention: The Next Era of Anti-money Laundering, examines the state of the AML systems market; considering the impact that a changing regulatory environment and a growing number of use cases is having on the market. Additionally, it includes a forecast summary of the total value of the AML systems market in 2030.
VIEW -
WhitepaperSeptember 2025Fintech & Payments
Ascending-to-Ailing: The Deceleration of A2A Adoption
Our complimentary whitepaper, Ascending-to-Ailing: The Deceleration of A2A Adoption, examines the state of the A2A payments market; considering the impact of this payment method and how it is shaping the modern payments landscape through lower fees and enriched user experience.
VIEW -
WhitepaperSeptember 2025Telecoms & Connectivity
RCS Fraud: Emerging Threats in Next-gen Messaging
Our complimentary whitepaper, RCS Fraud: Emerging Threats in Next-gen Messaging, examines the future of the messaging fraud prevention market, with a particular focus on the latest trends within RCS Business Messaging (RBM). Additionally, it includes a forecast summary of the total cost of fraud over RBM to subscribers in 2030.
VIEW -
WhitepaperSeptember 2025
Decentralising the Smart Grid: Opportunities & Challenges
Our complimentary whitepaper, Decentralising the Smart Grid: Opportunities & Challenges, explores how distributed energy resources, renewable integration, and virtual power plants are reshaping grid management.
VIEW -
WhitepaperSeptember 2025Fintech & Payments
Going Glocal ~ Why Local Payment Methods Are Driving eCommerce
Our complimentary whitepaper, Going Glocal ~ Why Local Payment Methods Are Driving eCommerce, assesses how local payment methods are driving the increasing accessibility to eCommerce, and challenges to eCommerce growth.
VIEW
-
Fintech & Payments
AML Systems Market to Surpass $75 Billion by 2030 Globally, With LexisNexis Risk Solutions, Oracle, and Experian Leading the Defence
September 2025 -
Fintech & Payments
B2B Payments to Hit $224 Trillion by 2030 Globally, Driven by Emerging Market Expansion
September 2025 -
Fintech & Payments
A2A Transaction Value to Reach $195 Trillion in 2030 Globally, Driven by Advanced Value-added Services
September 2025 -
Telecoms & Connectivity
ReveNet: Operators Must Act to Restore Trust & Transparency to $55bn A2P SMS Ecosystem
September 2025 -
Telecoms & Connectivity
RCS Business Messaging Fraud to Cost Mobile Subscribers $4.3 Billion Globally Over the Next 5 Years
September 2025 -
Sustainability & Smart Cities
Smart Grids to Support 43% of Global Electricity Supply by 2030, Driven by Virtual Power Plants
September 2025