The future of payments operations 2026

The payments industry is moving quickly toward real time settlement, smarter automation, and new digital ways of moving money. At the same time, many organisations are still relying on manual work, inconsistent data, and outdated systems.

This report explores this growing “Great Payments Paradox”, and what leaders can do about it by following practical steps to modernise payments operations and close the gap between vision and reality.

Topics covered include:

• Scaling payments
69% of firms say manual processes limit their ability to scale. The report explains why automation is now essential for sustainable growth.
• Data fragmentation
80% of organisations say disconnected data affects their operations. You’ll learn why improving visibility is becoming more important than increasing transaction speed.
• Safeguarding pressures
Only 33% of respondents feel ready for upcoming safeguarding and client money deadlines. The report outlines why regulators now expect real time control rather than annual reviews.
• AI adoption
96% of firms use AI in some form, but many are struggling with integration, data quality, and governance. The report explores what separates effective AI adoption from surface level implementation.
• New digital rails
By 2030, organisations expect 24% of payment volume to run on blockchain based networks. You’ll see what this shift means for reconciliation, controls, and overall operational readiness.