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Acquirers and PSPs and the 2025 consumer: Designing for diverse payment preferences 4 July 2025 by Payments Intelligence The 2025 Consumer Behaviour Report from The Payments Association delivers an urgent message to the acquiring and PSP community: the UK payments landscape is diversifying faster than many platforms are adapting.
Traditionally, data aggregators like Plaid , Finicity , and MX have been able to access consumer banking data at no cost by using login credentials provided through third-party services. Yet consumer demand for data connectivity has grown rapidly. Consumers may face higher costs as fintechs pass on the fees associated with data access.
This may be the most significant action in the past five years by US banking regulators to address consumer scams. On June 17, 2025, the primary US banking regulators released a Request for Information on Potential Action to Address Payment Fraud.
The findings come from a YouGov survey conducted on Yapily ‘s behalf, which examined more than 2,000 UK consumers and 250 merchants. Now the challenge is finding the tipping point that drives behavioural change among consumers, encouraging them to make the switch at the checkout.
Why do some embedded analytics projects succeed while others fail? We surveyed 500+ application teams embedding analytics to find out which analytics features actually move the needle. Read the 6th annual State of Embedded Analytics Report to discover new best practices. Brought to you by Logi Analytics.
To find out what different industry participants think about the decision, whether it’s a sensible move to increase protections or infringes on consumer choice, we reached out to find out what they have to say. This sits within the spirit of the Consumer Duty rules, without restricting consumer freedom.”
Consumers and small businesses generally feel they get more value from fintechs than traditional banks, according to the findings from a recent survey by the Financial Technology Association , the DC-based trade association representing fintech industry leaders.
Consumer behaviour has always been a massive force for change, and the payments industry is no exception. The trend towards sustainability and especially the movement of consumers towards a sustainable lifestyle is one that the payments industry has addressed—somewhat. Go beyond awareness – reward action.
The research, carried out by YouGov for Yapily and which surveyed more than 2,000 UK consumers and 250 merchants, shows that 77% of merchants say transaction fees are a big concern when choosing a new payment method. Two-fifths of businesses believe the current chargeback process is too skewed in favour of consumers.
Speaker: David Nisbet, Everett Zufelt, and Michaela Weber
In this session you’ll learn: The integral relationship between payment experience and customer satisfaction Proven methods for optimizing the checkout journey Leveraging payments data for personalized marketing and enhanced customer loyalty Gain invaluable insights into consumer behavior across online and offline channels through data 📅 June (..)
Contact Creditech , the digital consumer finance arm of Contact Financial Holding , is joining forces with Kashier , an online payment gateway in Egypt and the Middle East. ” The post Kashier Integrates BNPL Capabilities From Contact Creditech for Egyptian Consumers appeared first on The Fintech Times.
It assesses whether the new policy is effectively protecting consumers and reducing fraud, while also highlighting ongoing challenges and debates about a broader, cross-sector approach to tackling APP fraud. Authorised push payment (APP) scams remain one of the most devastating forms of financial fraud affecting UK consumers.
Across Southeast Asia, fintechs have reshaped how consumers and businesses interact with financial services. This growth has fundamentally altered consumer behaviour and merchant operations across the region, and further expansion of Southeast Asia’s digital payments ecosystem will once again stem from a shift in financial norms.
With Pay by Bank payments consumers bypass entering card details and instead authorise payment directly from their bank accounts, typically via biometric methods. Improved Conversion Rates : With a seamless and familiar payment method, consumers are more likely to complete transactions, improving merchants’ sales outcomes.
2025 is right around the corner, and with it comes a new wave of consumer expectations, competitive pressures, and operational challenges. Success lies in finding the balance between operational flexibility and creating experiences that keep customers coming back.
Consumer use of PayTo rose steadily, with an 80% increase in transactions between the second and third quarters of FY25. The median consumer spend during this period was A$352.64, and the average number of transactions per active account was 6.01.
This type of fraud occurs when customers dispute legitimate transactions, resulting in chargebacks that are costly and time-consuming for businesses. Johan Gerber “As e-commerce continues to evolve, businesses are increasingly able to create new consumer experiences, which underscores the need for a clear framework to manage complex disputes.
Mobile payment systems are revolutionizing how consumers pay for goods and services. TL;DR Mobile payment services allow merchants to accept payments from consumers using mobile devices. Mobile payments offer a high level of convenience and security to both consumers and merchants, in-store and online.
While consumers embrace the speed and convenience of instant payments, many acquirers and payment service providers (PSPs), the companies that help merchants accept payments, continue to rely on outdated, end-of-day systems that eat into margins and cost them revenue.
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When deciding where to shop, consumers are no longer solely looking at price, according to new research from the Mexican buy now pay later (BNPL) and online consumer credit platform, Kueski. How they pay and under what terms they do so have now become ways for companies to gain a competitive edge.
Rowe pointed to the increasing popularity of subscription payments as a way to “allow for more stickiness” and “more convenience for the consumer.” Many SaaS companies struggle with optimizing their pricing models and merchant acquisition efforts.
UK SMEs must quickly adapt to modern payment solutions for SMEs as new research from DECTA reveals a major shift in consumer preferences. ” This comprehensive report offers insights into evolving consumer expectations and the pressing challenges confronting Small and Medium Enterprises (SMEs) within the UK economy. .”
The new sandbox could enable banks and fintechs to implement a ‘five-leg credit transfer’ with confirmation of funds, meaning that a consumer can make a retail real-time payment, with the merchant getting instant confirmation of payment.
Australia's newest and most disruptive payment platform has officially launched, with QwikPay promising to eliminate the friction, fees and outdated infrastructure that have long held back innovation in the way Australian consumers pay and businesses get paid.
Joining the FinextraTV studio at a busy EBA Day 2025, Thomas Warsop, President and CEO, ACI Worldwide set out his 4 key topics that he sees regularly in circulation: digitisation, cloud, fraud and AI. Giving his opinion on each, along with some of the historical growth of each, he provides an insightful perspective.
These commitments remain valid as we transition and indeed complement the FCA’s 2025-30 strategy – with common core themes around helping consumers and supporting growth, as well as promoting innovation.” The PSR have published fraud statistics to aid transparency and public awareness of the volumes of APP fraud.
The burden of proof to show that a customer has been rightfully charged falls on you, and when consumers successfully dispute charges, you lose both the product sold and the revenue from that sale. From a business’ perspective, however, chargebacks can often be a costly hassle. The individual codes are: 10.1: Card Recovery Bulletin 11.2:
The 2025 dLocal Emerging Markets Payments Handbook delves into the complex landscape of preferred alternative payment methods (APMs), consumer behaviors, industry shifts, and regulatory updates across Africa & the Middle East, Asia, and Latin America.
Member states’ representatives have approved proposals from the Council of the European Union to improve the payment services environment in the EU to reduce payment fraud, promote technological innovation, better protect consumers, and increase transparency on fees.
Nguyen Tam Khoa, Deputy Head of Consumer Division at ACB, commented: “Here in Vietnam, debit remains the dominant form of card payment, and we see significant potential and room for growth in credit and flexible payment products like Visa Flex Credential.
As of July 2024, businesses made up about 80% of RTP transactions, but 95% of payments were received by consumers, indicating untapped potential for higher-value B2B payments. The bank is among the first to allow corporate clients to send payments up to the new $10 million limit, driving new business-to-business (B2B) use cases.
After investing around $100million in the technology, banks in Australia hope Confirmation of Payee will help keep local consumers’ money safe. Banks across Australia are officially rolling out Confirmation of Payee, the name-matching service designed to protect customers from being tricked into sending money to criminals.
Craig Savage Founder & CEO, FERO "There is growing consumer demand for secure payment solutions such as Pay by Bank, and merchants should be aware of this trend to remain ahead of the curve. Data-driven payment science should be the core engine behind every high-performing checkout."
Businesses cite a broad mix of motivations, from lower transaction fees and faster settlements to a lack of consumer demand. Industry and government must prioritise secure infrastructure needs and enhanced protection of consumer data, as data breaches negatively impact consumers' willingness to share personal data.
This collaboration will enable fintech players to build propositions on the enza platform that serve both consumers and businesses with embedded Mastercard payment solutions capabilities. Mastercard and enza – a payment solutions company – have collaborated to connect fintech companies across Africa to the Mastercard network.
With 28 offices and payments processed for over one billion consumers globally, Adyen provides a proven, secure, and scalable infrastructure that is critical to the success of large-scale integrated finance solutions.
Consumers are demanding fast, secure and flexible payment solutions, meaning digital storefronts need to find new ways to meet consumer expectations and fast.
“With over 14 million active Peruvian users, Yape empowers millions of consumers with reliable daily transactions,” Yape Head of Payments Claudia Silva said. As a brand, PagoEfectivo has been a major force in Latin America’s eCash payment ecosystem, supporting the transactions of millions of online consumers.
After all, they make money when consumers use their cards. For Consumers We receive quite a few emails from people upset about minimum charges on credit card purchases. How It Used to Be As you can imagine, minimum purchase amounts on credit card transactions aren’t exactly in the card brands’ best interests.
Consumers will no longer need to enter card details when making payments. Pay by Bank is already seeing strong adoption in both Germany and France, with various companies already testing the waters to see if consumer appetite is there. According to airline Ryanair , a firm which has already introduced the payment method, it is.
When those rules were introduced, the intended aim was to drive competition in the retail banking market and make it easier for consumers to switch accounts. This has helped create a burgeoning ecosystem that is already driving rapid adoption among consumers in the U.S. That hasn’t really happened. Another potential lesson for the U.S.
Major Digital Wallets As of summer 2025, there are several major digital wallets available to consumers. Many consumers are already familiar with Zelle, which functions as a way to send and receive money through an app. Apple Pay Apple Pay is Apple’s proprietary digital wallet.
This initiative aims at enabling European citizens to send and receive payments seamlessly across the continent, for the benefit of both consumers and merchants. This approach, grounded in Europe’s best-in-class solutions and diversity, will continue to drive innovation, convenience, and efficiency for both consumers and merchants.
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