
Merchant survey 2025: Navigating the payment innovation divide
A 2025 survey of UK retailers reveals how payment challenges and innovation priorities are shaping merchant strategies across the sector.

A 2025 survey of UK retailers reveals how payment challenges and innovation priorities are shaping merchant strategies across the sector.

UK SME survey shows open banking intrigues merchants with faster, cheaper payments, but gaps in awareness and security fears slow adoption.

The Bank of England’s offline CBDC trials show it’s technically possible—but device limits, fraud risks, and policy gaps must still be solved.

Six months into APP scam reimbursement rules, 86% of victims are refunded—yet calls grow for a cross-sector, prevention-first fraud strategy.

The Payments Association’s consumer behaviour survey reveals UK consumers’ payment habits in 2025, highlighting growing digital use, persistent cash reliance, and a strong focus on security.

As fraud grows more sophisticated, platforms must balance growth and security—turning risk management into a competitive edge through smart tech and strategy.

RT2 modernises UK payments with ISO 20022, enhanced access, APIs & real-time resilience—enabling innovation, new entrants & a dynamic ecosystem.



