As Payments are evolving at unprecedented speed. Real-time settlement, embedded finance, and digital-first services have reshaped consumer expectations and increased competitive pressure on banks and fintechs. Yet this rapid progress has also introduced a hidden tension: how to deliver seamless, instant payment experiences without compromising resilience, fraud prevention, and compliance.
This report, produced by Vyntra, investigates the tension of rapid payments through the lens of consumers and the impact on their payment providers. In September 2025, over 1,000 adults across Europe were surveyed to explore what they truly value in the payment experience, how they respond to disruptions, and what builds their trust in payment providers.
