Q3 2026 reading

Behaviour

Baseline

Customer switching and repeat use have not yet been observed across a comparable panel, so no direction can be assigned.

Infrastructure

Baseline

Official milestones and provider-described payment routes are in place, although selected customer journeys remain independently untested.

Policy

Baseline

Domestic interoperability and regional integration programmes have documented milestones, while delivery still requires route-level operating evidence.

Friction

Baseline

Published fees and product differences can be measured, but incomplete end-to-end journeys prevent a defensible direction.

Power

Baseline

Retail pricing varies by bank, while access conditions, switching constraints and practical substitutes remain only partly mapped.