The payments sector is undergoing a rapid transformation, driven by technological innovation, user expectations, and evolving regulations. In 2025, several major trends are emerging: they are redefining the way consumers, businesses and institutions interact with money. Here are five key dynamics that will shape the future of payments.

#1: Account-to-Account Payments (A2A)

 

A2A payments allow money to be transferred directly from one bank account to another, without going through a card or a network like Visa or Mastercard. They are based on instant transfers and open banking, which requires banks to share certain data with approved third-party providers. This works thanks to APIs (application programming interfaces), which allow two IT systems to communicate securely. In practice, this enables apps to connect to users’ bank accounts to initiate a payment, with no intermediary. This model reduces steps and simplifies payment journeys. In 2024, more than 65% of European banks offered open APIs. Countries like the Netherlands (iDEAL) or India (UPI) exceeded 10 billion A2A transactions in a single year, illustrating the potential of this trend.

TRUSTECH booth showcasing a secure bank card solution with dynamic CVV to prevent fraud.

#2: Artificial Intelligence against Fraud

With the rise in online payments, fraud risks are soaring. In 2025, artificial intelligence (AI) becomes an essential tool for securing transactions. It analyses behaviour in real time, detects anomalies (for example an unusual payment from a foreign country) and blocks suspicious operations before they are validated. This technology not only reduces financial losses due to fraud, but also improves user experience by avoiding long or intrusive manual checks. Major payment platforms estimate that AI could reduce fraud attempts by 25 to 40% compared to traditional systems.

#3: The Rise of Alternative Payments

 

Alternative payments, such as Buy Now, Pay Later (BNPL), cryptocurrencies or Central Bank Digital Currencies (CBDCs), are increasingly attracting users, particularly younger ones. In Europe, nearly 50% of 18–34-year-olds have already used a BNPL solution, drawn by the flexibility of deferred payment, often free of charge. Cryptocurrencies appeal to a generation more comfortable with decentralised technologies and seeking financial autonomy. But these methods raise several challenges. From a regulatory point of view, it is a question of protecting consumers against over-indebtedness linked to BNPL, or to ensure transaction traceability in crypto to prevent illegal uses. On the technological integration side, merchants must adapt their systems to accept these new means of payment. Finally, risk management is essential, particularly to address the high volatility of cryptocurrencies or to secure digital exchanges.

#4: Blockchain and Stablecoins Enter Institutional Finance

In 2025, blockchain technologies (decentralised systems that record transactions in a transparent and immutable way) and stablecoins (cryptocurrencies pegged to currencies like the euro or dollar to limit value fluctuations) are entering the scope of financial institutions. These tools enable faster, cheaper and automated international transactions (thanks to “smart contracts”). Businesses see them as a way to optimise cash flow, reduce currency exchange costs, and accelerate cross-border settlements. But adoption takes place within a regulated legal framework: in Europe, the MiCA regulation (Markets in Crypto-Assets), which came into force in 2023, requires stablecoin issuers to guarantee real reserves equivalent to the amounts in circulation, and to register with a regulator. These safeguards aim to reassure users while encouraging innovation in a secure framework.
Booth presenting blockchain and NFC-based payment solutions at TRUSTECH.

#5: New Uses at Points of Sale

 

Physical points of sale are modernising at high speed. In 2025, payment terminals are becoming lighter, more connected and smarter. Thanks to open banking and the rise of mobile payment, merchants can offer smoother shopping experiences: one-click payment, automatic invoicing, integration with loyalty programmes, etc. According to Capgemini, more than 70% of European retailers plan to invest in point-of-sale technologies by the end of 2025, and the global market for smart terminals is expected to exceed 50 billion dollars. These innovations also help reduce maintenance costs, better analyse sales in real time, and offer more personalised services to customers.

 

The payments sector is undergoing a profound transformation. A2A payments, artificial intelligence, alternative solutions, blockchain, or next-generation terminals: in 2025, payment methods are more varied, faster, and better integrated into everyday life. For companies and financial institutions, it is essential to anticipate these developments in order to offer reliable, competitive, and compliant services aligned with new expectations. Payment is no longer a simple transactional tool: it is becoming a strategic lever for innovation and customer relations.