New Trends in Digital Payment Solutions

The way we pay is evolving fast. Consumers now expect payments to be instant, secure, seamless, and even sustainable. That means companies in the payments space can’t just keep up—they need to stay ahead. So, what’s currently shaping customer expectations? Here’s what’s on the radar: Instant Payments Are the New Normal We live in an on-demand world. Customers don’t want to wait for transactions to process—they expect real-time payments, 24/7. Whether it’s P2P transfers, payroll, or cross-border transactions, speed matters more than ever. Security & Fraud Prevention Are Non-Negotiable With digital payments growing, so do the risks. Consumers demand trust—which means biometric authentication, AI-driven fraud detection, and transparency in how their data is handled. One security slip? Customers will leave. Omnichannel Payments for Seamless Experiences Consumers jump between apps, websites, and in-store experiences—yet they expect one smooth journey. Businesses that integrate payments across all channels (mobile, web, social, in-store) will win big on customer loyalty. Customer-Centric Innovation Drives Loyalty The most successful payment providers listen to their users. Personalized payment options, AI-driven financial insights, and loyalty programs are making payments more than just transactions—they’re becoming experiences. The payments industry isn’t slowing down. Blockchain, AI, and machine learning will continue to transform how we pay. The companies that prioritize customer experience, security, and innovation will lead the way. #Payments #Fintech #CustomerExperience #Innovation #FutureofPayments

What’s on the global payments #horizon in 2025? In 2024, I engaged with 150+ of our Deutsche Bank Corporate Bank financial institution clients, regulators, and policymakers through travel across 18+ countries; partnered with Partior, a leading payments innovator; sat on the BAFT (Bankers Association for Finance and Trade) Transaction Banking Global Leaders council; and worked with our expert Cash and Trade management team. In short, a front-row seat to the evolving demands shaping the payments horizon. Five 5️⃣ key trends FIs should anticipate in 2025: 1️⃣ Real-Time Everything Instant payments as the norm. FIs are investing in real-time infrastructure for both domestic and cross-border transactions. Blockchain solutions, direct connections to clearing networks, using your correspondent as on ramp to a clearing house, and expanded use of book transfer networks all enable instantaneous settlement with efficiency, transparency and traceability. #dbXpay 2️⃣ Turning Competitors to Partners Reducing transaction costs for our clients is a top priority in today’s margin-conscious environment. FIs are working together to play to each others strengths to leverage corridors and networks to build economies of scale and provide better pricing. 3️⃣ High Bar to Effectively Manage Financial Crime and Geopolitical Risks Rise in fraud, increased digital payments, and global destabilization have increased the complexity of managing FCR and sanctions risks. There’s a growing demand for technology to ease compliance demands and increase protection without compromising speed or customer experience. AI-driven tools, use of blockchain, and solid preventative #riskappetite drafting will help FIs stay ahead of risks. Partnering with an expert correspondent bank can support delivery of all. #dbXadvise 4️⃣ Capitalizing on FX Volatility Economic uncertainty has increased FX volatility, creating opportunities for clients to optimize currency positions. Heightened demand for integrated payments, liquidity management, and FX solutions that allow real-time currency exposure management. At Deutsche Bank, platforms like #FX4Cash and investments in #dbXconvert enable businesses to combine payment flows with FX execution, turning market movements into value-creation opportunities. 5️⃣ Global Interoperability Clients demand greater flex and flow outside business hours and regulators pushing for global payment harmonization. Blockchain’s inherent transparency sets a new standard, enabling real-time tracking and reconciliation at all hours. Additionally countries are aligning regulatory frameworks to foster cross-border interoperability. At Deutsche Bank, we are addressing these trends via our #dbX strategy, developing key partnerships, deploying our expert FCR team to support clients, expanding #FX capabilities, and combining technology with trusted expertise. Deutsche Bank is shaping the future of payments—one that is faster, smarter, and built to empower our clients. 🚀

𝐓𝐨𝐩 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐓𝐫𝐞𝐧𝐝𝐬 by Capgemini (Part 3) — Composable Cloud-based Payment Hub & Multi-rail Payment Strategy —— #5: 𝐂𝐨𝐦𝐩𝐨𝐬𝐚𝐛𝐥𝐞 𝐂𝐥𝐨𝐮𝐝-𝐛𝐚𝐬𝐞𝐝 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐇𝐮𝐛 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 & 𝐁𝐚𝐜𝐤𝐠𝐫𝐨𝐮𝐧𝐝: A composable cloud-based payment hub refers to a modular, cloud-native platform that allows businesses to rapidly integrate payment services from different providers to adjust to evolving market demands with a single centralized hub. 𝐊𝐞𝐲 𝐈𝐦𝐩𝐚𝐜𝐭𝐬: ► Banks & FinTechs — Ability to launch new products faster. ► Businesses — Seamless integration with a wide range of payment solutions. ► Consumers — Faster processing, more personalized services and payment choice. 𝐊𝐞𝐲 𝐀𝐜𝐜𝐞𝐥𝐞𝐫𝐚𝐭𝐨𝐫𝐬: ► Microservices Architecture ► Cloud-Native Platforms ► APIs ► Advanced Security 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬: ► Businesses — Accelerating time-to-market for new payment products, personalized experiences, and cross-channel payment solutions. ► Consumers — Access to a variety of options such as mobile wallets, credit cards, and digital currencies. ► Financial Institutions — Simplified back-end operations. 𝐄𝐱𝐚𝐦𝐩𝐥𝐞𝐬: 🔸 Stripe: Specializes in the "ease-to-integrate" payment solutions for businesses of all sizes. 🔸 Adyen: Cloud-based unified payments platform, built in-house. —— #6: Multi-rail Payment Strategy 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 & 𝐁𝐚𝐜𝐤𝐠𝐫𝐨𝐮𝐧𝐝: A multi-rail payment strategy involves utilizing multiple payment networks (rails), such as card networks, ACH, real-time payments, and cryptocurrencies, to enable businesses to select the best rail for a specific transaction. 𝐊𝐞𝐲 𝐈𝐦𝐩𝐚𝐜𝐭𝐬: ► Banks & Payment Providers — More control over costs & improved fraud detection ► Businesses — Flexibility to choose the right payment method based on cost, speed, and convenience. ► Consumers — Enhanced choice of Payment Method 𝐊𝐞𝐲 𝐀𝐜𝐜𝐞𝐥𝐞𝐫𝐚𝐭𝐨𝐫𝐬: ► Real-Time Payments ► Digital Currencies & Blockchain ► Integrated Payment Systems ► Cross-border Payment Capabilities 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬: ► Businesses — Global payments with lower fees, faster settlement times, and improved cross-border capabilities. ► Consumers — Real-time payments for peer-to-peer transactions, bill payments, and e-commerce purchases. ► Financial Institutions — A more resilient payment system, reducing reliance on any single payment network. 𝐄𝐱𝐚𝐦𝐩𝐥𝐞𝐬: 🔸 Visa: Expanding beyond traditional card networks, Visa is integrating various payment methods including ACH, RTP, and digital wallets. 🔸 PayPal: Offering rails including ACH, credit cards, and digital currencies for both B2B and B2C. — 🚨 This is #3 out of a series of 5 posts — next up 🚨 7️⃣ — Operational Resilience 8️⃣ — Decentralized Identity Get ready, it is just the beginning! —— Source: Capgemini ► Sign up to The Payments Brews: https://lnkd.in/g5cDhnjC ► Marcel van Oost and Connecting the dots in payments...