The Future of Payments Report 2025 reveals how AI, trust, and innovation are reshaping global payments, exposing key paradoxes in technology and leadership.
The Future of Payments Report 2025 explores how AI, trust and innovation are redefining the global payments landscape. In collaboration with Wakefield Research, we surveyed 600 senior executives across 10 countries, including the U.S., UK, Ireland, Denmark, Finland, France, Germany, the Netherlands, Norway, and Sweden, to uncover the contradictions, challenges and opportunities driving payments transformation.
The key paradoxes:
- AI everywhere. Trust nowhere.
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- 99% of organisations use AI – but 91% of leaders worry about risks like fraud, privacy and transparency.
- 60% say today’s AI-based fraud detection tools are ineffective.
- Only 1 in 5 have modernised data systems to truly power AI innovation.
- The future is autonomous. Are you?
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- 52% expect to become autonomous financial service providers within two years—but only 17% are there today.
- Key enablers: AI-led decisioning, real-time data orchestration, and intelligent automation.
- Top barriers: data privacy, legacy integration, and customer trust.
- Innovate to win. Iterate to survive.
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- 58% favour bold innovation over incremental change.
- Top disruptors: digital wallets (56%), instant payments (55%), and AI/ML in fraud detection (51%).
- 99% acknowledge disruptive forces they’re not yet prepared to manage.
Explore the full report here.
