Happy New Year, and welcome to our new “Cracking the Payments Code” newsletter series.

2023 is a special year for 2C2P: We’re celebrating our 20th anniversary!

It has been a fantastic journey so far. In 2003, I fell into the payments industry by accident after being asked to code a 3D Secure solution enabling users to transact over the Internet safely. Since then, 2C2P has quietly gone about our business, steadily becoming a leading payment gateway that continues to grow.

2C2P’s history encompasses an extraordinary digital transformation of the finance, consumer and retail sectors. As we celebrate this year’s milestone, we have the amazing opportunity to reflect on some of the most pivotal technological, geographical and environmental shifts that influenced payments over the past 20 years.

To expand our understanding of the remarkable changes that have got the industry to where it is today, we’re curating an e-book to mark our 20th anniversary. “Cracking the Payments Code” will feature articles with insights contributed by our team of experts with deep payments knowledge, people I’ve been lucky to work with during 2C2P’s 20-year journey.

The ebook will also be a chance to look at where we might go next. The emergence of new solutions like virtual cards, digital goods and CBDCs promises tremendous opportunities.

Ebook topics will include:

• 2C2P’s Beginnings: Ushering in a New Millennium of Fintech
• The Explosive Growth of Online Payments
• Alternative Payment Methods (APMs) for Southeast Asia
• The Rise of Smartphones: From PC to Mobile First
• Real-Time Payment Networks: Born From Necessity
• New Digital Normal: How the Pandemic Accelerated Digital Payments
• Digital Goods & Bill Payments: Leveraging Mobile APMs to Give Value to Consumers
• Decentralisation & Cryptocurrency: The Beginning of the End for Web 2.0
• Future of Payments

“Cracking the Payments Code” would be insightful for anyone wanting to understand the evolution of the payments sector in Southeast Asia, especially those wishing to make their mark in the industry in the future. Look out for more newsletters over the coming months in the build-up to our e-book launch.

2C2P has come a long way in 20 years, and we have yet to come close to reaching our peak. With your valued trust and support, there’s no limit to what we can achieve going forward.

Warm regards,

Aung Kyaw Moe

Founder & CEO, 2C2P