Payment cards will go into oblivion? New methods take over the market

However, this convenience is a complex infrastructure, whose development requires financial institutions to be accurate and quick decisions. Check where the future of payments is going and how the approach to the client changes.

Global revolution, local challenges

The first months of 2025 are marked by uncertainty and geopolitical tensions. In this context, banks and fintech are under pressure. They must flexibly modernize their payment systems, while meeting more and more stringent regulations. Customer expectations are growing: they want to pay faster, simpler and safer, preferably from one application.

New forms of payment: fast, comfortable, but with challenges

A2A (Account-to-Acount) and mobile wallets are becoming more and more popular. According to the World Paimements Report 2025 forecast, by Capgemini, by 2028, the share of immediate payments will increase globally from 16 percent. up to 22 %, and digital wallets with 5 percent up to 8 percent Payment cards lose their importance – their share is to fall from 57 percent. up to 50 percent

– The growing popularity of A2A payments can significantly reduce the development of traditional cards. We estimate that 15-25 percent future growth in this segment will take over new solutions, especially at the expense of debit and pre -paid cards – emphasizes Maciej Olszański, Local Head of Financial Services at Capgemini Polska.

Customer in the center. Not only technology counts

Digital transformation is not only new systems, but also a new approach to the client. The Flywheel model – based on the positive experience of the user and building long -term loyalty. What counts is intuitiveness, personalization and elimination of barriers.

– As much as 88 percent Banking leaders in the world indicate a developed prize ecosystem as the key to customer loyalty. This is an approach in which the consistency of the offer with expectations, lifestyle and emotions of the recipient counts – says Olszański.

New loyalty. Data, emotions and unique experiences

Traditional loyalty programs give way to premium solutions, personalization based on data and brands with brands. Customers expect real value – discounts tailored to the lifestyle, access to exclusive events or ecological products.

– Today’s loyalty is not only a purchase reward, but a result of a well -designed relationship. Data, cooperation with brands and Premium offer allow you to build commitment and trust – notes Olszański.