Payments on Fire™ Episode 272 - Fanning the Flames - 2025 Mid-Year Payments Industry Trends Update
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Aug 27, 2025 In this discussion, payments industry expert Chris Uriarte and practitioner Drew Edmond dive into crucial trends shaping the future of payments. They explore the recent regulatory changes, including the Durbin Amendment and FTC's click-to-cancel rule. The duo examines the rising interest in stablecoins and agentic commerce, along with the pivotal role of tokenization. The conversation also highlights advancements in fraud prevention and secure payment authentication, featuring Visa's VAMP and the significance of passkeys. Tune in for insights that keep you ahead in the fast-evolving payments landscape.
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LA Fitness Cancellation Case Example
- Chris cited a New York Times story where LA Fitness forced complex steps to cancel memberships.
- That example illustrates why the FTC and others are pursuing simpler cancellation rules.
Stablecoins Raise Monetary System Concerns
- US-dollar pegged stablecoins dominate today, led by USDC and Tether holding ~90% market share.
- Regulators and BIS worry fragmented stablecoin adoption could threaten the singleness and reliability of money.
Agentic Commerce Depends On UX And Trust
- Agentic commerce is plausible but user experience, modality (voice/chat), and trust remain unclear today.
- Which funding source an agent should pick depends on whether humans stay in the loop or agents act autonomously.