Payments industry forecast: 2025 trends What do industry professionals predict? We surveyed our LinkedIn community of payment professionals to uncover the trends, challenges, and innovations shaping the landscape for the payments industry. Here’s what they told us.
45%
01 | Fastest growth Which payment method will see the fastest rate of growth in 2025?
Digital wallets
20% 17.3% 17%
Digital wallets are leading the way, with 45% of professionals predicting they will see the fastest growth. With crypto and BNPL on the rise, the decentralized and flexible nature of these methods means their adoption will drive innovation and regulation.
Buy now, pay later Account-to -account
02 | Regulatory trends
62.4%
Crypto regulation changes
Which regulatory trend will have the greatest impact on payments in 2025?
Enhanced data privacy Introduction of CBDCs 14.7%
Global crypto regulation is becoming a top priority. As digital wallets and cryptocurrencies rise, our respondents point to crypto regulations as the most impactful trend in 2025. Enhanced data privacy and stricter AML policies are critical as industries balance innovation with security and compliance.
7.6%
15.2%
Crypto currencies
Stricter AML policies
03 | Regional impact
Latin America is experiencing rapid fintech growth, driven by a high unbanked population. 36% of professionals predict the biggest shake-up, driven by the region’s fintech boom.
Asia-Pacific: 18.5% Latin America: 36%
Technological advancements
Regulatory changes Other
Europe: 18.5%
North America: 26.6%
Which region will see the biggest shake-up in payments technology in 2025?
04 | Payment innovation
26% 3%
64% 42%
What will be the biggest driver of payment innovation in 2025? Technological advancements dominate as the key driver of payment innovation, with breakthroughs like AI and blockchain re-forming the future of payments. Consumer expectations also push businesses to create seamless and personalized experiences.
Consumer habits/expectations
05 | Biggest challenge What is the biggest challenge facing the payments industry in 2025? The rise of digital wallets and technological advancements give way to Cybersecurity threats, with our respondents expressing it as their primary concern. As digital payments grow, organizations must prioritize security while adapting to evolving standards. Cybersecurity threats top the list of challenges, with 43% of respondents expressing concern. Regulatory compliance (34%) and the rapid pace of technological change (16%) are also pressing issues. As digital payments grow, organizations must prioritize security while adapting to evolving standards.
Cybersecurity threats
43% Regulatory
compliance
34%
Integration of new technologies
16%
Cost optimization*
7% *Processing fees/cost of payment acceptance
Shaping the future of payments What do you think is coming up in 2025? Look out for our LinkedIn polls and join the conversation.
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