The payments industry is at a pivotal moment. With technology advancing at lightning speed and consumer expectations evolving, 2025 promises to be a transformative year. We’re excited to see how these trends will shape the future of payments and create new opportunities for innovation.

Here’s a video of a few industry experts sharing their views on the future of payments! 🎥 

As we step into 2025 we are set for another year of rapid change. Here are the key trends that the payments leaders at our conference are watching closely in the year ahead:

1. Embedded Finance

Businesses are increasingly embedding financial products directly into their ecosystems. From e-commerce platforms offering lending to non-financial brands launching payment solutions, embedded finance will continue to redefine how consumers interact with financial services.

2. AI-Powered Payments

Artificial intelligence is transforming fraud prevention, personalised checkout experiences, and customer service in payments. In 2025, expect AI to drive smarter payment routing and optimize transaction efficiency, delivering both cost savings and better user experiences.

3. Sustainability

Sustainability is no longer optional. Payment providers are focusing on green solutions, from eco-friendly cards to carbon offsetting payment options, as consumers demand more environmentally conscious practices.

4. Cross-Border 

With global e-commerce booming, seamless and cost-effective cross-border payment solutions will be critical. Expect advancements in blockchain-based payments and real-time settlement systems to simplify international transactions.

5. Orchestration

Orchestration is evolving beyond just connecting multiple payment methods. It’s becoming a strategic tool for businesses to optimise costs, manage risk, and enhance customer experiences. Providers will need to innovate to stay ahead in this competitive space.

6. Super Apps

In 2025, super apps that consolidate payments, financial services, and everyday activities are set to gain traction in both developed and emerging markets. These platforms are reshaping consumer habits and challenging traditional payment ecosystems.

7. Regulation & PSD3

The introduction of PSD3 will drive significant changes, particularly around open banking and payment security. Companies will need to adapt quickly to ensure compliance and maintain consumer trust.

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