Payments Trends to Watch in 2025

4 Key Trends That Will Broaden Consumer Payment Method Choice and Providers’ Revenue Opportunity

Report by David Morris, and Maria Elm  | UPDATED: Dec 13, 2024

Top Trends to Watch in 2025

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Need-to-Know Trends Across 12 Industries and 6 Regions

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Table of Contents
Real-time “pay by bank” payments land at online checkout
Mobile wallets will seek access to Apple’s NFC technology
Flexible digital credentials will let consumers meet different payment needs via one card
FMN launches will surge as financial institutions (FIs) chase ad dollars
Sources
Media Gallery
About This Report
Consumer payment method choice will expand in 2025 as real-time “pay by bank,” iPhone NFC access, and digital credentials take center stage. And financial media networks will turn more payment providers into marketers.
Topics
Financial Services
Payments
US
Table of Contents
Real-time “pay by bank” payments land at online checkout
Mobile wallets will seek access to Apple’s NFC technology
Flexible digital credentials will let consumers meet different payment needs via one card
FMN launches will surge as financial institutions (FIs) chase ad dollars
Sources
Media Gallery

In 2025, consumers can expect broader payment method choices, the advent of multifunction payment instruments, broader access to near-field communication (NFC) mobile payment technology, and more targeted financial media network (FMN) advertising. Payment providers that participate in these changes will reap the rewards.

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Table of Contents

  1. Real-time “pay by bank” payments land at online checkout
  2. Mobile wallets will seek access to Apple’s NFC technology
  1. Flexible digital credentials will let consumers meet different payment needs via one card
  2. FMN launches will surge as financial institutions (FIs) chase ad dollars
  1. Sources
  2. Media Gallery

Charts in This Report

6 in 10 Consumers Say Cash Back and Discounts Would Increase Their Interest in Pay by Bank (% of US adults who would be more interested in pay by bank based on incentives, by incentive, July 2024)QR Codes Trail App Payments and Tap-and-Pay Among In-Store Mobile Payment Methods (% of US adults who used their phone to pay in-store, Nov 2023)
FMNs Will Make Up Just a Fraction of Total Ad Spend—but Their Growth Will Be Enormous (billions in US financial media network (FMN) ad spending and % of digital ad spending, 2023-2026)

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First Published on Dec 10, 2024

authors

David Morris, and Maria Elm

Contributors

Grace Broadbent
Donte Gibson
Senior Charts Editor
Dana Hill
Chris Keating
Director, Research
Tiffani Montez
Naomi Rebuelta
Copy Editor
Tyler Van Dyke
Emman Velasco
Chart Editor
Julia Woolever