Biggest Fintech and Payments Trends for 2025

Juniper Research revealed the 10 trends that are poised to transform the financial landscape in 2025. “Fintech and payments are changing rapidly, with alternative payment methods gaining popularity, fraud presenting a bigger challenge than ever, and regulations evolving quickly. As such, Juniper Research predicts that 2025 will see dramatic shifts, with these 10 trends representing the most impactful developments,” commented Nick Maynard, Juniper Research's VP of Fintech Market Research.

Each year, Juniper Research’s team of market experts identifies the key trends that will drive the fintech market for the year ahead. For 2025, the prevailing trends are:

1. Apple NFC to Boost Competition in Digital Wallets
2. Virtual Cards to Revolutionise B2B Expenses and Procurement
3. Behavioural Biometrics Driving Shift to Passive ID Verification
4. eCommerce Merchants to Adopt ‘Glocal’ Payments
5. Regtech to Accelerate Amid BaaS (Banking-as-a-Service) Compliance Challenges
6. Banks to Invest in PSD3 and PSR1 Readiness
7. Capital One's Acquisition of Discover to Challenge Visa & Mastercard
8. Wero and Instant Payments Harmonisation to Transform European Payments
9. AI Hype to Diminish as Fraud and Identity Drive Innovation
10. Sustainable Fintech Becomes Key Differentiator for Banks