Navigating trends in payments

A guide to payments innovation and implementation

What's inside?

The payments space is evolving – fast. To stay competitive, merchants must move beyond the buzzwords and adopt a strategic approach to payment innovation. We created this guide to help global merchants and digital leaders cut through the complexity and modernise their payment ecosystems with confidence.

In this whitepaper, you will learn:

What’s driving the top five payment trends in 2025
How to turn payments into a growth engine
How to optimise fraud prevention using your data
What best-in-class implementation looks like
Real-world case studies from leaders like Klarna, John Lewis Partnership, Pret, and River Island

Who is it for?

Digital and eCommerce leaders
Technology leaders in commerce
Payment and product managers
Retail and fintech strategists
Technology consultants and architects

Modernising payments

Future-ready payments: secure, scalable and built for change

As the payments landscape rapidly evolves, merchants must keep pace with shifting consumer expectations, security risks, and compliance demands, delivering instant, frictionless payments across multiple channels, from traditional cards to contactless, mobile wallets, and digital-first experiences.

We will work with you on four key areas:

Data-driven fraud prevention
Strengthening security & compliance
Scaling with confidence
Being future-proofed for change

Learn more

Some of our clients

Equal Experts in Numbers

3,600+

members of the Equal Experts network

17 years

in business

90%

of our consultants have 10+ years of experience

Unparallelled experience

2x the experience per person than our competitors

A comparison of years of experience between other consultancies and Equal Experts using two triangles. The first triangle has a large base and narrow top, indicating a large number of people with fewer years of experience. The Equal Experts triangle is inverted, with a large number of people with more experience and less people with fewer years experience.

The average industry experience for a typical IT consultancy is around 8 years. The average for Equal Experts is over 18 years, with 90% of our people having 10 years plus. This deep experience means we can assign smaller, more expert teams to save our customers money and upskill people as well as technology.