The payments industry: AI everywhere. Trust nowhere?

AI is transforming payments—but trust is struggling to keep pace.

Based on insights from 600+ senior payments leaders across global markets, The Future of Payments Report 2025 explores how AI, autonomy and real-time innovation are reshaping the payments ecosystem. While nearly every organization is adopting AI to drive speed, efficiency and personalization, widespread concerns around trust, governance, fraud and infrastructure readiness threaten to slow progress.

This report examines three defining paradoxes facing the industry today: AI everywhere but trust nowhere; the rapid move toward autonomous payments amid readiness gaps; and the tension between bold innovation and the need for resilient, compliant systems. Packed with data-driven insights and executive perspectives, it offers actionable guidance for banks and payment providers seeking to modernize responsibly, balance risk with opportunity, and build a secure, future-ready payments infrastructure.