In 2025, retail will face a new chapter; emerging technologies, increasingly demanding consumers, and the relentless pursuit of efficiency will continue to redefine the market, while the Tax Reform will require adaptations. These trends and changes have a direct impact on operations and resource management but are also especially important for reinventing the strategies that connect businesses, customers, and partners.
“The sector will continue to be challenged to balance technological innovation and efficient management. Companies that adapt best will be securing their place in the market and redefining success,” comments Zoltan Schwab, an executive at vhsys, a technology company specialized in online business management solutions.
One of the main trends will be the consolidation of digital payments. With advancing technology, digital wallets, contactless payments (NFC), and cryptocurrencies will become even more prevalent in consumers’ daily lives. The integration of these tools with superapps—platforms that combine various services such as shopping, financial solutions, and messaging—will allow retailers to offer a more seamless shopping experience, centralizing transactions, loyalty programs, and credit options on a single platform.
At the same time, artificial intelligence (AI) will play a strategic role in retail financial management, helping to forecast demand, optimize inventory, and adjust prices dynamically. “By being able to analyze consumer behavior and identify purchasing patterns, AI increases profits, reduces waste, and provides insights for strategic decisions. Meanwhile, advanced algorithms enhance security by preventing fraud in real time,” highlights Zoltan.
With the arrival of the Tax Reform, which will take effect starting in 2026, retail companies have a strategic window in 2025 to prepare. Technological tools such as ERP systems and the use of AI will help navigate the complexity of the changes, facilitating transitions by automating calculations, integrating fiscal data in real time, and improving operational processes. As a result, organizations will be able to reduce costs, minimize errors, and improve strategic decision-making.
With the expansion of omnichannel retail, a complete review of cash flow management and resource allocation will also be necessary. The integration between online and offline channels will require companies to track financial movements more accurately, quickly adjusting their strategies based on demand. Tools that unify these operations and automate processes will be essential to maintaining competitiveness and ensuring efficient operations.
Finally, an emerging trend will be consumer-focused financial education. With the increase in online credit and financing options, facilitated by AI analysis, retailers will have the opportunity to position themselves as allies in their customers’ financial management. “Offering educational content, planning tips, and tools that help control spending will be a way to add value to the shopping experience and build a more loyal and conscious customer base,” concludes Zoltan.
