The State of Payment Operations 2025
Our fourth annual report explores the persistent gap between what new payments technology enables and how real companies manage money movement day-to-day.
Key Takeaways
Pain points in payment operations are driven by legacy infrastructure, system sprawl, and manual processes.
More than two-thirds (68%) of financial decision-makers agree that their finance team wastes a lot of time on payment operations.
On average, financial decision-makers report using between six and seven systems to manage their payment operations.
Investments in instant payments and automation have been made in the last 12-18 months to help move the needle.
More than half (56%) of financial decision-makers report using FedNow or Real-Time Payments (RTP).
Another 37% plan to use FedNow or Real-Time Payments (RTP) in the next 12 months.
Future investments revolve around software and AI; efficiency and ROI are the highest motivating factors to upgrade.
Nearly two thirds of those likely to invest in payment operations (64%) report planning to upgrade by purchasing software.
Most financial decision-makers (94%) agree they’re excited about the opportunity of AI-assisted financial and accounting workflows.
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