Banking-as-a-service (BaaS) providers that take banking infrastructure behind the scenes are creating environments where real-time payments and other financial transactions are invisible to the consumer.
fadedNot listed again within the publisher's next two editions, nor later (D33).
Scatter rule: the Invisible Banking umbrella breaks into narrower 2024 trends (Frictionless Payments, Instant Payments); Open Banking continues a different 2023 section. No single successor.
A trend is graded on whether the publisher keeps it, never as a hit or a miss (D6, D33).
Umbrella section page: carries the publisher's year tag and a key insight, so it counts as a trend (D40). Appended 2026-10-02 after the existing entries (D15); it is not a trend line in the contents. Read from the text layer of the archived Scribd copy of the full 2023 report (no font information); page is the page of the full report.