2025 promises to be an Digital Payments interesting chinese student data year for digital payments? with new regulations on the way and a series of technology solutions that promise to simplify online and in-store transactions. The focus is on strategies to optimize costs and increase operational efficiency? as highlighted by the latest analyses shared by Adyen? Shopify? Visa and Alipay+.
Adyen highlights the importance of a holistic approach?
capable of reducing expenses related to figure magic quadrant for data integration tools interchange fees and scheme fees. “Payments have great potential that companies can exploit to continue on the path of sustainable growth? improving efficiency while offering the best possible shopping experience to their customers?” said Gabriele Bellezze ? Country Manager Adyen Italy. According to the technological-financial platform? the key to savings lies in the adoption of local payment methods and local acquiring? which reduce transaction costs by 59% on average? as well as in the use of network tokens and risk management tools based on machine learning? capable of increasing authorization rates and effectively combating fraud.
In the meantime? Shopify is preparing to automate compliance with the new PCI DSS requirements? which go into effect on March 31? 2025. “We’ve built Shopify’s checkout architecture to be future-proof? offering solutions that simplify compliance with a growing list of security requirements?” said Ilya Grigorik ? Distinguished Engineer at Shopify. With PCI DSS v4.0 coming into force? businesses will face significant challenges in preventing digital skimming and protecting credit card data? but Shopify’s approach takes the complexity out of compliance for merchants? providing greater peace of mind for merchants and consumers alike.
On the contactless transaction front?
Visa is seeing explosive growth in the b2c fax use of Tap to Phone? with 200% growth globally and an astonishing +830% in Italy. “Tap to Phone is a technology that puts all businesses on the same level?” explained Mark Nelsen ? Global Head of Consumer Products at Visa? underlining how all it takes is an NFC-enabled smartphone to accept payments? without the need for expensive POS terminals. The adoption of Tap to Phone involves both small merchants and large retailers? offering a solution that consumers like and helps businesses operate more efficiently.
No less relevant is the role of Alipay+ in the luxury sector: in a market where Asian tourists play a key role? Head of Business Development for Europe Alba Ruiz Laigle observes a continuous transformation in the way luxury brands interact with their customers. “At Alipay+? we have observed a profound transformation in the way luxury brands interact with their customers?” she underlined? highlighting how payment solutions based on QR codes and integration with digital wallets are making the in-store shopping experience increasingly seamless. Personalization also becomes a decisive factor in payments? with discounts and special offers that consolidate the bond between brand and consumer and transform shopping into a moment of contact with the brand? even beyond the travel experience.