6 key commerce and payment trends for 2025
It’s here: our 2025 Commerce and Payment Trends Report. An invaluable resource for business leaders as they define their strategy to navigate the challenges, changes, and opportunities this pivotal year will bring.
Drawing from our proprietary survey data, research, and conversations with industry experts, we’ve identified six consequential developments that are shaping the future of commerce — along with insights to help you use them to your advantage and come out on top in 2025.
Trend 1
AI delivers early wins
AI moves from buzzword to value driver, with impacts across payments, ecommerce, and fraud prevention. SMBs are enthusiastic about AI's possibilities, while larger enterprises cautiously navigate data privacy concerns and other challenges.
Trend 2
Unifying the back end of commerce
Driven by a customer base that wants a seamless digital shopping experience — often directly on social media platforms and search engines — businesses are placing big bets on unified commerce platforms to integrate their back end operations.
Trend 3
Embedded makes the B2B leap
Embedded payments have already transformed the way customers pay. Now, B2B payment providers have discovered its potential to enhance payment efficiency, automate billing, and deliver seamless client experiences.
Trend 4
Turning digital identity into digital security
As digital payments become the default and cyber threats are increasingly sophisticated, businesses are leveraging emerging technology to win the battle against fraud and data theft.
Trend 5
"POS" means place of service
Point-of-sale systems are evolving into comprehensive service hubs, and businesses are seizing their potential to improve operations, gather data, and deliver better customer experiences. And when integrated with powerful AI tools, they’re poised to become proactive partners in managing a business.
Trend 6
Payment orchestration
Payment orchestration platforms are an established technology, yet their importance continues to grow as they become more sophisticated. Offering businesses a way to manage multiple payment providers and methods through a single interface, these platforms create opportunities to improve operational efficiency and reduce fraud – important areas of focus for businesses in 2025.
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