A study by SRC Security Research & Consulting GmbH with professional support from Z_punkt The Foresight Company and Fraunhofer INT (orig. “Bezahlen 2025 — Szenarien zur Zukunft der Zahlungssysteme in Deutschland).
Instant payments, the digitisation of shopping, stricter regulation, payment releases — and account information services — it is already clear today that these issues will have a major impact on the world of payment in the future. How exactly these factors are designed and used, however, depends decisively on drivers whose influence can be predicted much less reliably:
How strong are the Fintechs? What role do the Internet giants want to play? Do customers accept new payment methods? What authentication methods are available? What about the willingness to cooperate within the banking industry?
The study “Paying in 2025 — Scenarios for the future of payment systems in Germany” therefore does not predict the “one” true future. Rather, an expert survey and several rounds of experts identified those factors that will probably have the greatest impact on the future of payment in the next decade.
Building on this, various consistent future scenarios have been developed that help to form a concrete picture of what payment could look like in ten years’ time. The aim of the study is to provide decision-makers in payment transactions with support in analysing the opportunities and challenges of the future payment transactions landscape.