Season’s Greetings.

Get set for change in 2025.

As we look forward to 2025, it’s an ideal time to celebrate your successes in the past year and consider opportunities that lie ahead. Emerging technologies, evolving regulations and changing customer needs are transforming your industry. To inspire you and spark new ideas for your journey, we’ve curated a collection of industry insights and customer success stories from 2024, alongside key trends and focus areas that can drive your growth.

Explore what’s ahead and get ready to thrive in 2025.

Wishing you a joyful holiday season and a prosperous new year!

Your Worldline team

Explore more about your industry

Every industry is unique. Discover the key trends and insights that matter most to yours.

Your priorities in 2024

Through close collaboration with our millions of customers worldwide, we gained valuable insights into your biggest priorities and challenges throughout 2024. Here’s a look at the 5 key areas that shaped your focus this year.

Boost the customer experience.

With competition high and cost-of-living pressures increasing price sensitivity, a key priority in 2024 was to improve the CX. You focused on easy-to-use payment acceptance systems, faster transaction times, minimal friction, and more secure protection of personal and payment data.

Create a true omnichannel experience.

In 2024, many businesses invested in building a seamless omnichannel customer journey. We helped you implement alternative payment methods such as BNPL and provide value-added services such as promotions and charity campaigns to create a consistent and effective experience online and offline.

Act locally to succeed globally.

Geographical expansion was a big focus for many of you in 2024. Key to these ambitions were the ability to offer local payment methods and currencies, process payments locally and in compliance, and boost approval rates through local acquiring while minimizing cross-border payment costs.

Protect against rising fraud.

As fraud continued to rise in 2024, businesses focused on safeguarding themselves from financial loss and reputational damage. The use of AI and machine learning for fraud detection and prevention in both issuing and acquiring became vital to combating sophisticated fraud techniques.

Respond to climate change.

In 2024, climate change and decarbonisation had a growing impact on the world. We helped many of you respond to these challenges and seize opportunities for growth in areas such as shared mobility services and charging solutions for electric vehicles.

Your focus for 2025

Drawing on extensive market research and insights from millions of customers, we’ve identified 6 key themes set to drive growth and innovation in 2025. Explore these focus areas to shape the future of your business.

Leverage AI to drive personalisation.

In 2025, integrating AI into digital payment systems will enable businesses to deliver highly personalized and seamless customer experiences. By analysing and contextualising customer data, you will be able to provide personalised and engaging interactions that improve customer satisfaction and loyalty.

Go mobile-first. For real.

With consumers increasingly turning to smartphones for all types of payments, businesses will focus on mobile-first solutions in 2025. Innovations like mobile payments and Account-to-Account (A2A) payments will offer customers faster, more convenient experiences while driving business growth.

Offer your own payment solution.

The Digital Markets Act opens new opportunities for businesses to offer their own payment solutions in 2025. We expect to see digital businesses break out of the old paradigm and develop their own in-app payments for consumers to enhance UX and streamline transactions.

Harness A2A with Wero.

The Wero mobile payment brand will become a reality in 2025. Launched by the European Payments Initiative and backed by Worldline and major European banks, Wero will enable secure instant A2A payments using SEPA rails to send funds via mobile app.

Keep fraudsters at bay.

As fraud tactics continue to evolve in 2025, businesses must stay one step ahead. By leveraging AI-driven fraud detection, machine learning models, and data analytics, businesses can identify and prevent fraudulent activity to protect both their customers and themselves.

Prepare for regulatory changes.

2025 will be a year of regulatory change. The Digital Operational Resilience Act (DORA) comes into force, preparations for the rollout of the Digital Identity Wallet will be well underway, and PSD3 is coming. On the horizon, the digital euro awaits.

What to expect in 2025

Tune in to this insightful conversation to learn how you can position yourself for growth in the year ahead.

This video features AI-generated subtitles that you can select in multiple languages.

Let's accelerate in 2025

Connect with our team today to prepare your business for success in the year ahead. 

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