Finextra – Payments 2030: What’s Shaping the Future, Sep 2025

The payments industry is undergoing significant change driven by digital transformation.

This report explores the future of payments looking towards 2030, focusing on cloud adoption, real-time payments, and regulatory challenges. It highlights regional differences with Europe leading in real-time payments adoption, Asia Pacific showing innovation amid fragmentation, and the US reflecting changing consumer expectations. Many financial institutions face challenges with legacy infrastructure while investing in new technologies. Real-time payment capability is becoming essential for competitiveness, though nearly half of respondents feel only somewhat or not prepared for these changes.