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What we’ll show in Riyadh
Way4 is built with an AI-first approach across four focus areas:
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Real-time and A2A payments, card issuing, and merchant acquiring — instant, interoperable value transfer for consumers and businesses
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CBDC and digital currencies — secure issuance and circulation alongside existing instruments
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Open banking — compliant connectivity and new revenue models
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Smart payment wallets — scalable ecosystems for retail, corporate, and public-sector needs
Why this matters in MEA now
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17% CAGR in account-to-account (A2A) payments across the region through 2027, driven by real-time schemes and greater interoperability (The Future of Global Payments & Fourth Generation Payment Networks (4GPN), 2025).
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Wallets at 18% of POS value in 2023, projected to reach 33% by 2027, making wallets a leading in-store payment method (4GPN, 2025).
These trends explain why institutions are consolidating onto a single platform that can launch, adapt, and scale new services quickly.
AI and hyper-automation, in practice
Way4 enables teams to apply AI and hyper-automation directly to payment services — configuring cards, smart wallets, accounts, and merchant workflows faster; delivering personalized, data-driven services like dynamic merchant pricing and financing, using LLM-powered insights for on-demand profitability analysis and real-time product adjustments. The result: a better customer experience and lower TCO.
One platform, many rails—the 4GPN model
Our approach reflects the Fourth Generation Payment Networks (4GPN) blueprint: unified ecosystems that integrate cards, wallets, A2A and instant payments, FX, and digital currencies on a single platform, powered by IoT, cloud, and blockchain to transform complexity into speed and scale.
Meet us in Riyadh!
We’ll be on site for one-to-one discussions, and you’ll also see OpenWay on the Payment Digital Wallets panel.
Learn more about OpenWay in the Middle East.
OpenWay is the only best-in-class provider of digital payment software solutions for card issuing, digital wallets, merchant acquiring, BNPL, transaction switching, tokenization, and fleet payments, and the best cloud payment systems provider as rated by Gartner, Aite (Datos Insights), Ovum (Omdia), Juniper Research, and PayTech. Top-tier banks and processors, as well as ambitious fintech startups, have chosen OpenWay as their strategic partner. With its unique capabilities in card issuing, BNPL, merchant acquiring, transaction switching, digital wallets, and fleet payments, the Way4 software platform guarantees an unparalleled customer payment experience.
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