The Future of Payments Report 2025 explores insights from 600 payments leaders across 10 countries as they share their perspectives for the next era of payments transformation - where innovation, autonomy and AI take center stage. This isn't just a report. It's actionable intelligence to help enterprises chart their way through the future of payments. It reveals both the promise and the paradox shaping the next era of payments.
The key paradoxes:
1. AI everywhere. Trust nowhere.
- 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.
2. The future is autonomous. Are you?
- 52% expect to become autonomous within two years, but only 17% are there today.
- Key enablers: AI-led decisioning, real-time data orchestration, and intelligent automation
3. Innovate to win. Iterate to survive.
- 58% favour bold innovation over incremental change.
- Top disruptors: digital wallets (56%), instant payments (55%), and AI/ML in fraud detection (51%).