It’s the reason why SPAYZ.io is actively participating in the world’s leading payments conferences and exhibitions. 2025 is no different – we are sending our team of experts to connect with startups, scaling enterprises and merchants seeking to expand into emerging regions, giving them access to the next generation of payment technologies.
Importantly, these experts provide first-hand insight into the developments that will shape the future of the payments industry, empowering businesses to prepare, navigate and effectively capitalise on new trends well in advance. Looking to the coming 12 months, these trends can be grouped into three broad categories.
The first is linked to financial reforms being introduced or considered by central government authorities to effectively balance consumer protections with new innovations. One of these focus areas is fraud, and the exploitation of people who are targeted online by fraudsters and cyber criminals on different platforms like social media.
According to research from Payabl., 63% of merchants see security and fraud detection as the main challenge in 2025.
In the event where fraudulent activity has occurred, there is a big question over which party should be liable and responsible. For example, is it the online platform the cyber criminal used to target the individual or should it be the payment provider?
It is a topic financial regulators around the globe are exploring. Each case will be unique and require individual investigation. However, there is a clear need for payment providers and platforms to form closer ties, working together to stamp out frauds and putting in place sophisticated defense. Fraud prevention is a key objective for SPAYZ.io in 2025, reflected in our use of real-time fraud detection and fast acting security measures.
The second 2025 trend is Open Banking. As a technology, it has been a catalyst for innovation, promoting stronger relationships between banks, merchants and financial institutions through the sharing of customer data. Perhaps most excitingly, we are only scratching the surface when it comes to Open Banking reaching its full potential.
In the European Union (EU), policy officials have made Open Banking a prime focus. In a bid to balance consumer protections and greater innovation, a new bill could mean financial institutions need to share customer data with third parties. This comes at a time when there are approximately 64 million users of Open Banking in the EU, which is a 400% increase on the number of users recorded in 2020. The US has also revealed new rules related to Open Banking which will make it easier for consumers to switch between financial service providers and transfer data. As we continue to witness the development and adoption of this technology, we are likely to see new fintech innovations emerging as a result.
The third is the rise of emerging markets. In mature markets, it is common for growth rates to slow because of product saturation and a limited pool of consumers to target. Payment platforms allow companies to put in place future-proof strategies by giving them access to countries that are digitally evolving at pace. Economic shifts in Africa and Latin America are facilitating the rise of a new middle-class with purchasing power.
SPAYZ.io is constantly on the lookout for new countries it can offer its clients access to. Our approach is diligent and measured, understanding the local needs and preferences, and expanding into countries that will offer significant benefits to our merchants.
Over the last five years, the growth of the payments sector has been nothing short of impressive. The volume of cross-border transactions continues to rise, facilitated by an ecosystem of payment service providers and payment service gateways. As this is a long-term trend, we also need to be realistic about the potential challenges that could be encountered as the payment sector grows. This is not a negative observation, but a natural part of any sector that is scaling at pace.
It is the reason why SPAYZ.io is committed to empowering businesses to navigate these trends with confidence. By offering cutting-edge payment solutions and fostering close partnerships across the payments ecosystem, our team of payments experts will be on hand at the industry’s top events to give advice and insight, ensuring they can unlock success in new markets.
Looking ahead, the future of payments is being shaped by innovation, regulation, and global expansion. At SPAYZ.io, we are committed to staying ahead of these changes — offering secure, seamless, and future-ready payment solutions. But every step forward is built on past achievements.
Curious about what we accomplished in 2024? Take a look!
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SPAYZ.io is on a mission to redefine the world of payments. By offering innovative, secure, and scalable payment solutions, we’re helping businesses navigate the complexities of global finance with ease. Its
commitment to excellence and our passion for technology drive us to constantly evolve and adapt to the needs of its clients. With a growing presence across Europe, Asia, and Africa, it is at the forefront of building a more connected and efficient financial future.
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