Digital payments are expanding globally, offering new possibilities through websites, apps and integrated platforms. With the growing demand for flexibility and choice, Visa believes that 2025 promises a more digital and consumer-centric payments ecosystem.
Technologies such as artificial intelligence (AI), biometrics and real-time payments (RTP) systems are transforming the transaction experience. Visa has identified six key trends that will define the payments industry this year.
1. Artificial Intelligence in the fight against fraud
AI will play a key role in personalizing payments and protecting against fraud. Advanced algorithms analyze transactional patterns in real time, detecting risks with greater accuracy. Companies like Visa, which has invested $3.3 billion in AI infrastructure over the past decade, are leading this transformation.
The ethical governance of this technology will be essential to ensure a safe and, at the same time, efficient ecosystem, according to the digital payments provider.
2. Authentication made easy with biometrics
The replacement of passwords with biometric authentication, such as facial and fingerprint recognition, is redefining security. In addition to being more convenient, these solutions primarily protect user data better. The adoption of secure and privacy-friendly technologies puts the consumer at the center of decisions, the company highlights.
3. Real-time payments on a global scale
Instant payments, available 24/7, are becoming the norm. In the United States, the FedNow service promises to revolutionize the sector by 2025. In Europe, SEPA Instant Credit Transfer will facilitate transactions between countries in the European Union. Despite the advances, challenges such as security and interoperability require collaboration between governments and companies.
Here in Brazil, Pix is well advanced in this area. After four years of spectacular growth, the instant payments system is expected to reach a financial volume of R$27.3 trillion in 2024, marking an increase of 58.8% compared to 2023.
4. Simplifying account-to-account (A2A) payments
Direct transfers between accounts are becoming more modern. Systems such as ACH, which connects financial institutions in the US, seek to offer fast and secure alternatives. The digitalization of this method promises greater accessibility to consumers, while maintaining the focus on fraud prevention.
5. Expansion of corporate finance
The integration of financial services into non-financial digital platforms is growing. This trend benefits everyone involved: distributors gain engagement, consumers find convenience, and suppliers expand their reach. Thus, embedded finance makes financial services, above all, more accessible and contextualized.
6. Faster and more accessible international payments
Globalization requires solutions that overcome the limitations of traditional cross-border transactions, such as high costs and low transparency. Interoperable global RTP networks and automated currency conversion will be essential to meet the demands of businesses and consumers, especially for faster and more cost-effective transactions.
Visa sees market more connected by 2025
The evolution of digital payments is shaping, above all, a more connected and accessible market. From advanced security tools to instant and globalized transactions, innovations continue to create an environment of trust and efficiency for consumers and businesses.
2025 will be a milestone on this journey, transforming the way the world pays and receives, believes the world leader in digital payments.
The article Visa: AI and real-time payments are among the main trends for 2025 was first seen on BeInCrypto Brasil.