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Our white papers

Lipis Advisors have long been recognized as thought-leaders in the field of payments and have authored numerous white papers over the past two decades that explore the changing payments landscape. On this page, you’ll find our handpicked white papers, both self-produced and in partnership with other industry leaders. To inquire about partnering on a white paper or contracting Lipis Advisors to produce a white paper for your organization, please contact us.

Marketing potential

A good white paper is specific and audience-sensitive, and aims to help readers remain relevant and competitive. White papers also create excellent marketing opportunities for their authors.

Recognized knowledge

In an increasingly digital era where conference chit-chat has been replaced by virtual webinars, a good white paper is an industry litmus test for separating the truly knowledgeable from the hype producers.

Trends and processes

Whether you need to understand today’s payment trends or consider how to advance your payment processes to meet the demands of modern commerce, Lipis Advisors has covered the topic.

Lipis Advisors' white papers

2020, Lipis Advisors
Navigating the rapidly evolving payments landscape: getting policies and technology right

In an era of digital leapfrogging and rapid payments development, it’s important to understand the basics of payment system design. This white paper aims to answer the “why” implicit in the development of new payment systems. Lipis Advisors presents a multi-phased approach for payments modernization efforts that highlights potential financial stability risks, benefits to different stakeholders, and challenges that may be faced in implementation.


Sponsored white papers

2022, US Faster Payments Council

International Best Practices in Directory Models by the US Faster Payments Council Directory Models Work Group

This is a collaborative effort from the members of the US Faster Payments Council Directory Models Work Group. The report presents research on six directory overlays to faster payment systems across the globe. Our managing consultant Andrew Gomez led the research comparing several directory models, and highlights the lessons learned for the US. This paper provides information on Pix, UPI, Bizum, Interac, and others.

2022, Report Series Partner: Ripple. Presented by Currency Research and Lipis Advisors

Decoding CBDC: Entering The Next Phase of CBDC Exploration (Part 3)

This is the third of the renowned series of reports covering CBDC Implementation & Practical Guidance. The whitepaper provides insights on what can central banks take away from CBDC exploration to date, the areas that central banks should explore as part of the next stage of CBDC development, and innovations that central banks should monitor as CBDC exploration advances.

2022, Report Series Partner: Ripple, Hedera, and Prosperus. Presented by Currency Research and Lipis Advisors

Decoding CBDC: A Practical Guide to CBDC Design and Implementation (Part 2)

The report aims to provide a detailed assessment of CBDC infrastructures and solution providers, helping central bankers make informed design and technology choices as they navigate CBDC implementation.

2022, CMA Small Systems and Lipis Advisors

Imagining the future of RTGS systems

Over the past few decades, RTGS systems have played an important role in financial sector development and have been an essential tool in managing the financial system's stability. However, since these systems were first implemented, the payments ecosystems have undergone a dramatic transformation. Together with CMA Small Systems, Lipis Advisors provides insights into new functionalities that central banks should consider as part of their RTGS modernization plans.

2022, Report Series Partner: Ripple, Presented by Currency Research and Lipis Advisors

Decoding CBDC: A Practical Guide to CBDC Design and Implementation (Part 1)

This report explores a variety of technology and design issues related to CBDC implementation, such as: token-based vs. account-based regimes, how blockchain-based cryptocurrency techniques can be used to support CBDC implementation, type of ledger (e.g. centralized vs. decentralized), privacy aspects (e.g. KYC, fraud), and design of user interface on CBDC devices.

2020, TietoEVRY

Accelerating Real-Time Payment Adoption

Lipis Advisors was sponsored by TietoEVRY to create a comprehensive look at the use-cases, value-added services, and real-world examples leading real-time payment adoption.

2019, Finastra

The Future of Payments in South Africa

Lipis Advisors was sponsored by Finastra to track how recent modernization efforts in South Africa and the South African Development Community (SADC) are affecting existing payments technology. This white paper looks at South Africa within the context of global payment trends, major stakeholder groups, and the future of payments in the region.

2019, ACI Worldwide

Get More from Real-Time

Lipis Advisors worked in partnership with ACI to respond to the convergence of real-time payments and open banking. This powerful duo will surely have a lasting effect on the future of payments and introduces new opportunities in an increasingly dynamic market. This white paper takes a strategic look at the implications of open banking for various stakeholders, how it will affect the consumer expectations, and what decisions must be made to adapt to a changing landscape.


Working with payments professionals, of the caliber of Lipis Advisors, makes it easy to bring complex whitepapers to life.


Lipis Advisors has created numerous thought-provoking, accessible and well-received whitepapers for our organization.


Our latest insights

What we’re up to: A selection of our recent activities and exclusive insights from our experts.

To Respond to Increasing Financial Fraud, Real-Time Payment Systems Focus on Prevention and Detection

Rising cases of financial fraud are a major concern for consumers, financial institutions, and regulators.

Check mate: How the industry is dealing with declining check usage

Some markets have fostered check reduction and even elimination, whereas others are leaving the market to naturally reduce their

Read more insights →