PYUSD has struggled to gain significant adoption. The Trump admin could change that

But the social media platform may struggle to get its users on board unless it can differentiate the P2P service from its peers

Reeling from 2024’s challenges, financial institutions must embrace bold strategies in 2025 to future-proof their businesses in a landscape plagued by economic, competitive, and regulatory pressures.

While the lawsuit may not go anywhere under Trump’s CFPB, the P2P platform’s continual fraud concerns may damage its reputation

Gen Z is the first mobile payments-native generation. By 2028, 67.8% of US adults will be mobile wallet users, per our forecast. Gen Zers are already way ahead: 85.1% made an in-store or online payment using their phone in 2023, according to Federal Reserve Bank of Atlanta.

The tie-up can bring in a large new stream of payments volume for the BNPL player, boosting growth ahead of going public next year

Consumer payment method choice will expand in 2025 as real-time “pay by bank,” iPhone NFC access, and digital credentials take center stage. And financial media networks will turn more payment providers into marketers.

Gen Zers are driving growth in both emerging and traditional payment methods as they embrace cards, BNPL, and digital wallets. Payment providers must now align their offerings with Gen Z’s preferences as the cohort’s spending power grows.

PayPal's outage highlights rising API-related flaws in finance. With 80% of U.S. adults relying on app-based payments, regulatory scrutiny and customer frustration could reshape the competitive landscape.

The company is shifting its strategies to achieve greater profitability, but investors still aren’t impressed

TikTok Shop leans on top brands, live shopping to boost holiday sales: The platform will feature exclusive products from brands like Benefit Cosmetics and celebrity-led livestreams alongside Cyber Five discounts.

Block has been working to grow Cash App Pay, but the buy button still trails competitors

Two US payment systems—FedNow and the RTP network—are driving real-time payments growth. New features, industry innovation, and emerging use cases will help them overcome implementation hurdles.

PayPal Ads offers unique ad targeting via transaction data: Access to PayPal’s 400 million users aims to transform digital advertising for small and medium-sized businesses.

This feature will help Venmo catch up to other P2P apps and bring in more frequent users.

The integration is a win for PayPal after Amazon stopped accepting Venmo on its ecommerce site

Digital wallets’ transformation into commerce enablers speeds up. We make a case for digital-only consumer credit cards. And we see a new threat that BNPL poses to credit cards.

It may be an olive branch for Gen Zers and millennials who may be upset over its decision to stop accepting Amex. It’s a win for Venmo’s monetization journey

Proximity mobile payments are on a growth tear, driven by strong spend per user. Here’s how providers are using wallet integration and new features to make proximity payments stickier.

US P2P apps need to tap new uses and services to stay competitive, especially amid Zelle’s dominance. Here’s how each app sizes up and differentiates to attract younger generations.