---
title: "The fourteen modules — World Payments Monitor"
canonical: https://payments.gi/modules/
source_html: /modules/index.html
description: "The fourteen payments-integrity domains World Payments Monitor tracks weekly, each covered across 155 jurisdictions."
generated_at: 2026-11-15T08:17:58Z
content_sha256: 312bb6948c5613e320b1de1b8fe00d730bc65b160b13d066698c5a33b1c7b585
generator: "fe-fleet/md-twin@1.0"
---
# The fourteen modules

Every jurisdiction is assessed against the same fourteen payments-integrity domains each cycle, so a module can be read across all 155 jurisdictions or a jurisdiction across all fourteen modules.

[### W1a Licensing, Authorisation & Market Access

Who is permitted to operate, and on what terms — PI/EMI and bank-PSP authorisation, passporting and outsourcing.](/modules/licensing-authorisation-market-access/)[### W1b Conduct, Safeguarding & Financial Promotions

How firms must treat customers and protect their funds — Consumer Duty, safeguarding and the promotions regime.](/modules/conduct-safeguarding-financial-promotions/)[### W2 Stablecoins & Digital Money

The emerging regimes for stablecoins, tokenised money and CBDCs.](/modules/stablecoins-digital-money/)[### W3 Operational Resilience & Critical Infrastructure

The rules requiring firms and their critical suppliers to keep payments running — DORA, FCA/PRA resilience and the critical-third-party regime.](/modules/operational-resilience-critical-infrastructure/)[### W4 Scheme & Network Compliance

The card-scheme and network rulebooks — Visa, Mastercard, PCI-DSS, SCA/3DS.](/modules/scheme-network-compliance/)[### W5 Payment Corridor Dynamics

The risk attached to specific cross-border routes — sanctions exposure, regulatory divergence and illicit-finance concentration.](/modules/payment-corridor-dynamics/)[### W6 Industry Structure & Commercial Dynamics

M&A, market entry and competitive shifts across the sector.](/modules/industry-structure-commercial-dynamics/)[### W7 Legal & Litigation

Enforcement actions, structurally significant litigation and asset recovery.](/modules/legal-litigation/)[### W8 Merchant Acquiring & Risk

The risk carried by acquirers and merchants — category risk, chargebacks and acquirer stress.](/modules/merchant-acquiring-risk/)[### W9 Product Innovation & Market Development

Open banking, PSD3, embedded finance and BNPL.](/modules/product-innovation-market-development/)[### W10 Consumer Protection & APP Fraud

Reimbursement, de-banking rights and consumer redress.](/modules/consumer-protection-app-fraud/)[### W11 AML/CFT & Financial Crime

Anti-money-laundering, sanctions and the travel rule (sourced from sister monitor Sentinel.gi).](/modules/aml-cft-financial-crime/)[### W12 Correspondent Banking, Settlement & Access

The plumbing beneath everything — USD/GBP clearing, CHIPS/FedWire/CHAPS, settlement finality and ISO 20022.](/modules/correspondent-banking-settlement-access/)[### W13 Commercial Intelligence & Fintech

Discrete commercial events across the sector — M&A deals, investment rounds, market entry and exit.](/modules/commercial-intelligence-fintech/)

The spine is closed at fourteen and versioned: see [modules.json](/data/modules.json) for the machine-readable inventory, or [the methodology](/methodology) for how each domain is scoped.