The universe of digital payments is in constant evolution, guided by technological innovations, changes in consumer habits and the search for more practical and safe solutions. For 2025, the sector promises significant advances, with the consolidation of existing methods and the emergence of new technologies
According to Alex Tabor, CEO ofTuna Payments, Brazilian fintech reference and leader in payment orchestration, the next year will be marked by a combination of expansion, personalization and challenges, that will continue to transform the market. With the support of data from thePix Management Report, released by the Central Bank, the specialist brings, so, five trends that, in your view, should impact digital payments in the next year
- Consolidation of existing methods
Pix is one of the major highlights of the Brazilian market, moving more thanR$ 11 trillion in the first half of 2024, according to the Central Bank. Your functionalities, like Pix Withdrawal and Pix Change, expanded their reach and contributed to financial inclusion, allowing more people to have access to digital services, affirms Tabor
Furthermore, the technologycontactless, that already represents50% of transactions with cards in Brazilcontinues to gain strength. Its integration with digital wallets has boosted e-commerce and facilitated the shopping experience in apps and physical stores
As digital walletsalso stand out, with40 million users in the country,offering new services such as integration with loyalty programs and personalized benefits
- Popularization of emerging technologies
“The adoption of contactless payments (NFCis expanding. Currently, 60% of Brazilian retailersthey already accept this technology, that starts to be used in sectors such as public transport, with examples in cities like Brasília, scores the specialist
Another growing innovation, according to him, it is thebiometrics, that is being increasingly used for payment authentication. In addition to simplifying the user experience, reduces fraud by up to70%, according to theBacen.
In the field of emerging technologies, blockchain and cryptocurrenciescontinue to attract attention, despite regulatory challenges. Your potential to transform the financial sector is undeniable, especially, in markets where transparency and decentralization are valued
- Personalization with Open Banking
THEOpen Bankingis one of the most promising bets for 2025. The expectation is that the number of users will reach20 million by the end of 2024, providing customization of financial products and stimulating competitiveness among institutions
Data sharing is enabling the creation of offers more aligned with consumer needs, what enhances the experience in the financial sector, explain Alex Tabor
- Transforming the Experience with Embedded Finance and Invisible Payments
The integration of financial services into non-financial apps and platforms, known asEmbedded Finance, is simplifying the consumer journey. Invisible payments — those that happen, automatically, without the need for direct action from the client — are also gaining prominence, especially, in retail and subscription services
Furthermore, the growth of theinstant paymentsglobally, is making transactions faster, an important factor for e-commerce and the relationship between businesses and consumers
- Security challenges
Safety is one of the main challenges in the sector. Digital frauds generate annual losses exceedingR$ 5 billionin Brazil, highlighting the need for more robust technologies and greater financial education for consumers, according to Tabor
Financial inclusion is also a key objective. The Central Bank estimates that the participation of the population in the formal financial system may grow30% in the next years, thanks to the expansion of digital services. However, to ensure sustainable progress, it is essential that regulation keeps pace with innovation, balancing consumer protection and technology stimulation
Thus, in 2025, the trends of consolidation, innovation and sustainability promise to further transform the financial ecosystem. The challenge will be to maintain the balance between the adoption of new technologies and overcoming regulatory and security issues, ensuring a more efficient market, inclusive and connected to the needs of consumers
