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Powering Growth in theGlobal Payments RacePowering Growth in theGlobal Payments Race The payments @ industry is shifting fast fintech businesses and payment providers. The resulting report serves as a temperaturecheck of the industry, examining attitudes toward market expansion, as well as the associatedpartnerships. demand for seamless, omnichannel experiences that are available 24/7. At the same time, booming mobile-first commerce is fuelling growth within the industry, while Industry leaders recognise this - and they aren't standing stil Throughout the report, we also delve into key regional trends to uncover the ways thatbusinesses are responding to individual market pressures and consumer demands. Together,these insights offer a clear view of where the payments industry stands today and where it'sheaded next. Who we surveyed Endava partnered with Censuswide to survey 500 director level+ respondents (aged 30+) at fintechs and payment serviceproviders between January and February 2025. Censuswide abides by and employs members of the Market Research Society and follows the MRS code of conduct and EsOMAR principles.Censuswide is also a member of the British Polling Council. 01/ 02/ Executivesummary andkey takeaways Growth and modernisationgo hand in hand Growth ambitions are high, butwith opportunity comes risk From infrastructure upgrades to complianceinvestments, companies are aligningtechnology budgets to support internationalscale and innovation. Most payment leaders are consideringentering new markets, driven by the pursuit ofnew revenue streams and risk diversificationHowever, challenges such as building localpartnerships, infrastructure gaps andregulatory complexity are top of mind. Our research findings illustrate several key themes,which we'll explore in-cepth throughout the reportBelow are five takeaways on how the paymentslandscape is growing and shifting. 05/ 04/ 03/ Innovation is on the rise,but adoption rates vary by region Strategic partnershipsare fuelling progress Cybersecurity isa universal priority Most respondents say external providers playan important role in improving customerexperience and driving innovation - especiallyin regions like the Middle East and APAC, whereecosystems are still developing. However, thisattitude may shift in the context of recentgeopolitical change, which has resulted in thefracturing of complex globalinterdependencies. Real-time payments, BNPL and contactlessoptions are being deployed globally, withregions such as APAC and the Middle East,which are likely less bogged down by legacysystems, leading the way. Meanwhile, regionslike North America show slower adoption and amore cautious approach to expansion. All directors express concerns over emergingpayment security threats. Companies aretaking steps to address risks like databreaches, fraud and insider threats. However,the relatively low adoption rates of key securitymeasures suggest that many organisationsmay still be underprepared, highlighting anurgent need for further investment and moreproactive risk management strategies. Contents: 01Unlocking growthPage 702Payment innovation and technology adoptiorPage 1403Customer experiencePage 2004Payment security and risk managementPage 2305Building payments ecosystems through partnershipsPage 27 Chapter 01Unlocking growth Payments companies are seekingopportunities to expand into new regions andmarkets as part of their growth strategies.Although, time will tell if global trade instabilitytriggered by changes to the us tariff regimeintroduced at the start of April 2025 will makepayments providers push ahead with or rethinktheir expansion plans. These growth-minded directors see expansionas a gateway to new opportunities, includingtapping into new revenue streams from newcustomers (38%), accessing incrementalrevenue streams from existing ones (32%) andthe diversification of market risks (28%) 2 Are consideringentering new regionsor markets As it stands, over 4 in 5 (85%)1 directorssurveyed stated that they are considering1entering new regions or markets, with themajority (77%) planning such expansionswithin 1-3 years. Questio What, if anything, is the primary opportunityyou foresee in this expansion? New revenue streams fromnew customers 32% Meanwhile, a third (33%) of directors surveyed view entering new geographic markets as a crucial part of their strategy for scaling paymentoperations. Payment strategies are most likely to be influenced by a focus on high-growth, stable markets (29%) and increasing investment in cross-border payment capabilities (28%). Incremental revenue streamsfrom existing base The findings highlight some regional differences in this respect: respondents in Latin America (35%), North America (28%), APAc (31%) andthe Middle East (3o%) are all most likely to say that a focus on high-growth, stablrtant factor influencing theircross-border payment capabilities. 28% These differences most likely reflect