Marqeta：2025年支付状况报告（英文版）（38页）.pdf

1、2025 State of PaymentsReportTable of contents01 02 03 04Introduction Consumers Passive to strategic:Consumers seek greater flexibility and enhanced purchasing power?Seed to mainstream:How consumers are adopting emerging payment methods?Strategic implications:The payment orchestration imperative?SMBs

2、 Siloed to unified:SMBs want spend management,not just expense tracking?Transactions to intelligence:Building SMB ecosystems?Strategic implications:The data-driven financial platform imperative?ConclusionTable of contents2025 State of Payments Report201Introduction32025 State of Payments ReportIntro

3、duction4MethodologyThe 2025 State of Payments Report draws on survey data from 3,000 consumers and 1,000 small and medium-sized businesses in the U.S.and U.K.This research is complemented by proprietary data from the Marqeta platform,providing a comprehensive view of payment behaviors,preferences,an

4、d emerging opportunities.IntroductionThe payments industry is moving at a remarkable pace,redefining the way businesses and consumers interact with financial tools.To keep up with these changes,decision-makers across various industries must first understand what their customers value most in their p

5、ayment experiences.Pinpointing these priorities is crucial for adapting to the rising expectations of both businesses and consumers.This year,Marqetas 2025 State of Payments Report is more comprehensive than ever,delivering insights that cut through the complexity of evolving payment trends.The foun

6、dation of this report lies in its robust methodology,which includes surveying 3,000 consumers and 1,000 small and medium-sized businesses(SMBs)across the U.S.and the U.K.SMBs are defined as organizations with annual revenue of less than$50 million.Weve also combined this survey data with our proprie