Capgemini – World Payments Report, 2025

The global payments industry is experiencing a significant shift towards digital transactions, with the Asia-Pacific region leading the way. Open finance and instant payments are driving this transformation, offering more transparent and interconnected financial ecosystems. Instant payment volumes are increasing rapidly, with potential for further growth as use cases expand. Retail payments are evolving with the rise of digital wallets and disruptive A2A payments, challenging traditional bank revenue streams. B2B payments are also digitizing, with opportunities for real-time treasury capabilities to improve cash management and operational efficiencies. However, the transition to instant payments presents challenges for banks, requiring operational changes and enhanced fraud prevention measures. To thrive in this evolving landscape, banks must embrace open finance and instant payments, leveraging technology to create innovative value propositions for consumers and businesses. This strategic shift is crucial for maintaining competitiveness and driving long-term growth in the industry.