The Future of Payments and Commerce: 2025 and Beyond
Discover key trends, challenges, and innovations shaping the global payments landscape.
What’s inside the report
As the payments industry evolves at an unprecedented pace, businesses must adapt to stay competitive. In this comprehensive report, we uncover the trends and innovations that will define 2025 and help businesses navigate the future of payments and commerce.
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What you’ll learn
The Payment Trends Redefining 2025
Digital wallets, instant payments, and Open Banking are poised to transform how businesses transact globally.
Technologies Driving Change
From AI to API integrations, find out where industry leaders are investing for maximum impact.
Adapting to Challenges
Discover strategies to navigate fraud prevention, cybersecurity threats, and compliance requirements.
Expert Insights from payabl.
"The shift towards alternative payment methods like digital wallets is reshaping commerce globally. Businesses need to adapt to diverse consumer preferences to remain relevant and competitive."
Austeja Polykarpou Global Partnership Manager (APMs)
"Payments are no longer just about moving money—they’re about creating a seamless experience that builds trust and fosters loyalty. This report reflects the trends shaping our industry's future and provides actionable insights to help businesses thrive."
Ugne Buraciene Group CEO
"Instant payments and Open Banking are setting a new standard for customer expectations. Businesses that embrace these trends early will not only meet consumer demands but also gain a competitive edge."
Kristaps Zips UK CEO
"AI and data analytics are not just buzzwords—they have the potential to be game-changers. Our survey highlights how thoughtful investment in these technologies can drive both efficiency and customer satisfaction in 2025."
Thekla Paschali CTO
"AI and data analytics are ushering in a new era of payments, allowing businesses to anticipate customer needs and respond in real-time. This report highlights how these technologies, paired with a thoughtful strategy, can transform the payments journey and set the standard for innovation."
Jonathan Arler General Manager (Netherlands)
"Fraud prevention remains a cornerstone of the payments ecosystem. In 2025, businesses must adopt a proactive, tech-driven approach to combat evolving threats while maintaining customer trust. This report sheds light on the tools and strategies essential for navigating this complex landscape."
Oleg Stefanets Chief Risk Officer
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Key insights
Digital wallets are set to dominate, with 82% of respondents highlighting them as a key trend.
Instant bank transfers and Open Banking will redefine convenience and security.
AI and machine learning emerge as transformative forces for fraud prevention and efficiency.
Regulatory compliance and fraud prevention remain top priorities.