2025年英国支付与金融科技报告

Edgar, Dunn & Company is a global consultancyspecialising in payments and financial services.Since 1978, we have partneredwith clients across the globeand developed unrivalledspecialist expertise.Our services include PaymentStrategy, M&A Advisory,and Litigation SupportIndependent+250 Clients in 55 countriesand 6 continents6 Office locations worldwide+2,500 Projects completedSan FranciscoLondonFrankfurtParisDubaiEDGAR, DUNN & COMPANY: UK Payments & Fintech Report 2025 IntroductionA few words from Samee Zafar, EDC CEOEDC has been a leading advisor tothe UK and international financialservices industry since we opened anoffice in London in 1992. Our expertisespans across strategy consulting,M&A advisory, and litigation support,serving prominent players includingleading UK and international banks,Fintech companies, payment serviceproviders, airlines, and retailers.Over the last three decades, we have witnessed profound transformations in the UK paymentslandscape, from the pivotal introduction of Chip and PIN technology at the Point of Sale, whichushered in a new era of in-store payment security, to the advent of Faster Payments, revolutionisingdomestic fund transfers, the UK payments sector has continually evolved.Furthermore, EDC has actively contributed to the advancement of a harmonised European paymentsenvironment, navigating the complexities of the e-Money Directive, the first Payment ServicesDirective (PSD), and the subsequent implementation of PSD2.More recently, we have closely observed and analysed the implications of Brexit on the UK paymentsecosystem, assessing the challenges and opportunities presented by the changing regulatory landscape.This UK 2025 Payments & Fintech Report builds upon our deep industry knowledge and experience,providing insights into the future of payments, Fintech in the UK, open banking, and the impact ofemerging technologies.EDGAR, DUNN & COMPANY: UK Payments & Fintech Report 2025 p 3 Report ContributorsVolker SchloenvoigtDirectorBeatrice SavaSenior ConsultantAmine SaidiGlobal Sales &Marketing ManagerTue ToSenior ManagerEDGAR, DUNN & COMPANY: UK Payments & Fintech Report 2025 Davide VillaManagerElisabetta NadalConsultant Mark BeresfordDirectorJustine MorvanAssociate Consultant Shanta ParatianSenior ManagerAlex MuellerBusiness Analyst Contents01Overview of the UK economy02UK Regulatory Landscape03Payment Methods04Payments Infrastructure05Open Banking06Fraud07Cryptocurrency08Acquiring09Remittances10Data Use and Access Bill11M&AEDGAR, DUNN & COMPANY: UK Payments & Fintech Report 2025 0616243038495459667279 01Overview of the UK economyDespite highinflation, consumerspending powerremains relativelyhigh for somesegments of theUK population,particularly higher-income householdsPayment cardsdominate the UKconsumer paymentsand debit cardsrepresent over75% of all digitalpayments in 2024Mobile walletsand other digitalpayment methodshave furtherincreased the easeand convenienceof card payments.Apple Pay andGoogle Pay enablefast contactlesspayments bothonline and in-storeEDGAR, DUNN & COMPANY: UK Payments & Fintech Report 2025 Economic overviewKey economic indicators of the overall health and performance of UKThe UK economy has experienced slowergrowth compared to some of the largerEuropean counterparts in recent years.Challenges such as high inflation,although this has fallen to less than 2%,and Brexit-related trade disruptions havecontinued since the 31st January 2020,the UK’s official departure from the EU.Consumer spending in the UK has facedheadwinds in recent years, contributingto slower economic growth comparedto some European counterparts.High inflation, driven by rising energy and foodprices, has significantly eroded householdpurchasing power, impacting consumerconfidence and spending patterns.Despite high inflation, consumerspending power remains relativelyhigh for some segments of the UKpopulation, particularly higher-incomehouseholds. However, lower-incomehouseholds have been disproportionatelyimpacted, facing significant challengesin maintaining their standard of living.Source: GlobalDataEDGAR, DUNN & COMPANY: UK Payments & Fintech Report 2025 ‘02 ’04 ‘06 ’0820002010$5m$4m$3m$2m$1m$0m‘02 ’04 ‘06 ’0820002010$80,000$70,000$60,000$50,000$40,000$30,000$20,000$10,000$0‘02 ’04 ‘06 ’0820002010$5m$4m$3m$2m$1m$0m‘02 ’04 ‘06 ’0820002010$80,000$70,000$60,000$50,000$40,000$30,000$20,000$10,000$0Nominal GDPUSD millionsNominal GDP per capitaUSD College or lessBAC – BAC +2BAC +3 and above40%19%>7565–7455–6445–5435–4425–3415–24<1517%12%13%13%13%13%10%9%UK Demographic OverviewUK household income has seen changes in the last 5 years, with periods of growth beingaffected by economic downturns and more recently the cost-of-living crisisPopulation by educationalachievementUnemployment rate(2024)Population by age rangeYears of ageTotal population(2023)68.35million4%Source: WorldBank, Eurostat, Office for National Statistics, Insee, GlobalDataEDGAR, DUNN & COMPANY: UK Payments & Fintech