Will we pay with a wave of our hand or will crypto replace traditional currency?

Future of payments by Ingenico experts

January 7, 2025 - Suresnes.  The payment landscape is reaching a pivotal moment, reshaping interactions among businesses, consumers, and payment providers. With 2025 poised to bring groundbreaking changes, our mission is to understand these trends, maintain our competitive edge, and effectively address emerging demands.

To support this goal, Ingenico is proud to release Ingenico Signals 2025 - a comprehensive guide exploring the key topics set to redefine technology, payments, and retail experiences in the year ahead. This guide is crafted with insights from our regional experts, offering a blend of local perspectives and global developments.

Ingenico Signals 2025 offers exclusive insights into the opportunities and challenges shaping the future of payments, technology and retail. This guide provides a compelling perspective on the innovations set to transform the industry in the coming year.

Trends from Ingenico Signals 2025

In terms of global evolutions, it is crucial to look at artificial intelligence  and the way it is meddling in payments and enhancing customer experience.

But we should also keep in mind the fact that unattended payments keep increasing and will continue to shift our consumer habits, pushing self-service alternatives at the forefront of retail. Besides, cryptocurrencies are becoming mainstream in 2025, which will lead to big evolutions both for merchants and consumers.

All-in-one devices

In addition, merchants are now so demanding of technology innovation that they are driving these innovations.

In fact, 60-75% of them already use their payment devices for additional services like sales reporting, invoicing, and inventory management. We can also note the growing importance of smartphone-based Soft POS solutions, which is favored by up to 80% of traditional device users. Indeed, thanks to technological progress, there is no longer a gap between smartphones and payment devices, meaning the new trend is a unique device that does it all at the same time.

Various trends across regions

But you could also see that there are variations depending on the regions of the world we are looking at. While in Europe ClimateTech emerges as a focus in the payment ecosystem, Latin America is set to become a global leader in Fintech by 2025 and will therefore make use of Crypto innovation to redefine its financial ecosystem.

Besides, North America should solidify its leadership in payments innovation by 2025 with the help of Artificial intelligence, while seeing an increase in real-time payments and integrated payments.

Across Asia, the main trend is biometric authentication transforming trust.

While Asia embraces these transformative technologies, they are bridging the gap between convenience and security, setting new standards for trust in digital transactions.

For more insights from our experts, check out the white paper here.