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PYUSD has struggled to gain significant adoption. The Trump admin could change that

As consumers turn to fintechs and payment providers for timely, solution-based support, banks are losing relevance. Staying in the game means shifting from product pushing to customer-led journeys.

BNPL will count more than 100 million users by 2027. Its high-growth days are in the past, with both the number of BNPL users and overall payment value decelerating. But it remains an important financing tool for consumers and has a long runway ahead: BNPL payment value will account for just 1.4% of overall retail sales in 2025, per our forecast.

Digital wallets will approach half of POS transaction value share by 2027.

Visa will also expand the offering to more use cases—like gig, creator, and marketplace payouts—and to more digital wallets, neobanks, and payment apps. Will it succeed? Visa+ solves many of the participating wallets’ pain points. Interoperability has been missing from the P2P space, causing friction for consumers. But Visa+’s convenience and simplicity can lead to greater use.

Rapid growth and enterprise deals position OpenAI as an AI giant, but as expectations rise, the real test will be proving long-term financial viability.

PayPal wants to build out its digital wallet and strengthen its peer-to-peer (P2P) payments value proposition by streamlining customer onboarding and reducing payment declines. It will also expand its unbranded checkout offerings, like the PayPal Commerce Platform. Related content: Check out our PayPal report to learn about the key factors influencing the firm’s growth.

In seven charts, this report tells the story of some of the most critical trends that digital leaders need to know about in 2024 and beyond.

The POS provider achieved this milestone despite slowing growth due to intense competition

Ramping up marketing spend and integrating Cash App, Afterpay, and Square should put it in a stronger position in 2025

Digital wallet. The partnership will also help drive more volume through the Venmo and PayPal apps, which may also increase engagement—something the firm has been working on improving. The firm’s transactions per active account—which it uses as an engagement metric—grew 13% YoY in Q4. Braintree. Live Nation will help bolster Braintree’s processing volume.

Consumer-facing tech in stores is rapidly evolving. Retailers must prioritize investments carefully to maintain already implemented tech—and explore interesting (but largely untested) innovations.

Given that it’s backed by banks, wero can charge lower prices than other digital wallets, giving it a competitive edge. And given the frustration from regulators and merchants alike over Visa’s and Mastercard’s fees, there is a demand for an alternative like wero. Our take: It will be a while before wero’s impact is known. The wallet only offers peer-to-peer (P2P) transactions.

Digital wallets and other payment apps that handle more than 50 million transactions per year will be subject to the new rule. This will include Apple Pay, Google Wallet, PayPal, and Cash App, among others.

The bank will start blocking more transactions that originate from social media

The brands built on their previous BNPL partnerships, bringing Affirm’s product to Amazon Pay to grow the buy button’s reach

It added Apple Pay as a payment option for Advanced Checkout and introduced new features to streamline customer checkout.

Apple’s product strength and established wallet reach will make the solution a prime competitor in a crowded market.

Apple’s long-teased buy now, pay later service is finally here, but what can it bring to an already crowded table? Our analysts unpack who may use Apple Pay Later and evaluate five of its prerelease features to see how they stack up to consumer demand.

As the mobile wallet ecosystem matures, US proximity mobile payment engagement gains are lapping user growth.

US adults are fairly evenly split on using mobile payment apps online versus in-store—except with PayPal, where 36% of users use the platform online most often, compared with 29% of users who use the app in-store, according to CivicScience.