Dear Subscriber,

This week, Circle rolls out its social payments app in Spain and Ireland allowing customers to link any Spanish or Irish bank account to Circle to send and receive P2P payments to friends and family within their countries and across borders instantly.

Elsewhere in the newsletter, an infographic presents a snapshot of the mobile payments industry, Android Pay launches in Hong Kong, its fifth location and Michel Léger, Executive Vice-President Innovation at Ingenico Group, talks about the importance of having open innovation when building the future of payments.

This infographic is a snapshot look at the mobile industry and explores who the key players are, how their technology works and who uses them.

In the constantly changing world of commerce, innovation is not a fad but a necessity to address new consumer behaviours and purchasing experiences resulting from globalization and new technologies. It is required to continue to help merchants adapt to changing interactions with their customers, whatever the channel or service.

This week, Circle rolls out its social payments app in Spain and Ireland allowing customers to link any Spanish or Irish bank account to Circle to send and receive P2P payments to friends and family within their countries and across borders instantly.

Android Pay is now available in Hong Kong and is available at over 5,000 locations in Hong Kong where contactless payments are accepted.