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  "canonical_source": "docs/methodology/world-payments-methodology-full.md §03",
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      "id": "W1a",
      "order": 1,
      "title": "Licensing, Authorisation & Market Access",
      "subtitle": "Who is permitted to operate, and on what terms — PI/EMI and bank-PSP authorisation, passporting and outsourcing.",
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      "id": "W1b",
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      "title": "Conduct, Safeguarding & Financial Promotions",
      "subtitle": "How firms must treat customers and protect their funds — Consumer Duty, safeguarding and the promotions regime.",
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      "id": "W2",
      "order": 3,
      "title": "Stablecoins & Digital Money",
      "subtitle": "The emerging regimes for stablecoins, tokenised money and CBDCs.",
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      "id": "W3",
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      "title": "Operational Resilience & Critical Infrastructure",
      "subtitle": "The rules requiring firms and their critical suppliers to keep payments running — DORA, FCA/PRA resilience and the critical-third-party regime.",
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      "id": "W4",
      "order": 5,
      "title": "Scheme & Network Compliance",
      "subtitle": "The card-scheme and network rulebooks — Visa, Mastercard, PCI-DSS, SCA/3DS.",
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      "subtitle": "The risk attached to specific cross-border routes — sanctions exposure, regulatory divergence and illicit-finance concentration.",
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      "subtitle": "Enforcement actions, structurally significant litigation and asset recovery.",
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      "id": "W8",
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      "title": "Merchant Acquiring & Risk",
      "subtitle": "The risk carried by acquirers and merchants — category risk, chargebacks and acquirer stress.",
      "short_label": "Merchant Acquiring",
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      "id": "W9",
      "order": 10,
      "title": "Product Innovation & Market Development",
      "subtitle": "Open banking, PSD3, embedded finance and BNPL.",
      "short_label": "Product Innovation",
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      "id": "W10",
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      "title": "Consumer Protection & APP Fraud",
      "subtitle": "Reimbursement, de-banking rights and consumer redress.",
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      "id": "W11",
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      "title": "AML/CFT & Financial Crime",
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      "id": "W12",
      "order": 13,
      "title": "Correspondent Banking, Settlement & Access",
      "subtitle": "The plumbing beneath everything — USD/GBP clearing, CHIPS/FedWire/CHAPS, settlement finality and ISO 20022.",
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      "id": "W13",
      "order": 14,
      "title": "Commercial Intelligence & Fintech",
      "subtitle": "Discrete commercial events across the sector — M&A deals, investment rounds, market entry and exit.",
      "short_label": "Commercial Intel",
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