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At the same time, they are the first mobile payments-native generation, with 85.1% using their phone for in-store or online purchases, according to the Federal Reserve Bank of Atlanta. They鈥檙e also leading the charge in buy now, pay later (BNPL) adoption. Over the holidays, 54% of Gen Zers used BNPL, outpacing the 50% who used credit cards, per a J.D. Power survey.

In 2025, consumers can expect broader payment method choices, the advent of multifunction payment instruments, broader access to near-field communication (NFC) mobile payment technology, and more targeted financial media network (FMN) advertising. Payment providers that participate in these changes will reap the rewards. Real-time 鈥減ay by bank鈥� payments land at online checkout.

It鈥檚 a large volume opportunity for the BNPL player and helps Klarna compete with. It can also help keep users loyal to Apple as its NFC tech opens up

This trend highlights the necessity for retailers to optimize their websites with fast loading times, mobile-first designs, and convenient mobile payment options to cater to the increasing number of mobile shoppers. To attract Mother鈥檚 Day shoppers, it is crucial to offer a seamless omnichannel experience鈥攚hether in-person, online, or mobile.

NFC access unlocks consumers鈥� most popular in-store mobile payment methods for US wallets and payment apps. Payment apps like PayPal, Venmo, and Cash App have had to rely on QR code payments to give customers an in-store iPhone payment option. But this method has not caught on: Only 2.4% of in-store mobile phone-based transactions were made via QR code in 2023, per the Federal Reserve Bank of Atlanta.

Proximity mobile payments are finally reaching a critical mass of users, fueling spending growth. While it will slow in the coming years, providers are capitalizing on growth by building multifunctional ecosystems that expand their captive audience and tighten relationships.