As we approach 2030, the payments landscape is transforming faster than ever. Many financial institutions across the world are on a digital transformation journey, investing in new technologies. However, many are held back by legacy systems in a world where speed, resilience, and reliability are critical.
Finextra Research, in association with ACI Worldwide, surveyed 162 global industry leaders in the summer of 2025 to reveal how organisations are aligning their payments strategies with market and regulatory demands, the challenges they face, and the technological and operational shifts shaping investment decisions.
Input from leaders at The Clearing House, Deutsche Bank, and the US Faster Payments Council reinforce both the significant progress made and the critical work ahead. As financial institutions navigate ongoing shifts in the payments landscape, modernising cloud and infrastructure capabilities has become central to delivering real-time, resilient, and scalable services.
Download this Finextra survey report, produced in association with ACI Worldwide, to discover:
- Current and predicted cloud adoption trends;
- Instant payment plans and adoption timelines;
- A2A payment growth forecasts;
- Readiness for rising digital payment volumes;
- Budget priorities for compliance vs innovation;
- Innovations set to disrupt the payments ecosystem; and
- Strategies for navigating regulatory pressures such as ISO 20022.