Instant Payments to Exceed $110 Trillion by 2029 Globally, Accelerated by European Regulation & FedNow Impact

September 30, 2025 at 02:00 AM EDT

BASINGSTOKE, United Kingdom, Sept. 30, 2025 (GLOBE NEWSWIRE) -- A new study by global tech strategists Juniper Research has found that instant payments will surpass the $100 trillion mark in 2029; up from $60 trillion in 2025. This represents substantial growth of 84% over just four years.

This rapid rise will be driven by two major trends: the increasing adoption of instant payments in Europe, driven by regulation, and the rising usage of FedNow in the US. The research highlighted the central role of FedNow in transforming the inefficient US payments ecosystem.

“While instant payments have been in the US for a while, FedNow promises to take instant payments to a new level of scale; providing broad access and reach. Achieving this transformation will require stakeholders throughout the payments ecosystem to reimagine their processes, with slow-to-move vendors being left behind,” explained Nick Maynard, VP of Fintech Market Research at Juniper Research.

Value-added Services Critical to Success

The research identified value-added services, particularly those such as Confirmation of Payee systems which combat fraud, as critical to unlocking mainstream instant payments’ success. With Authorised Push Payment (APP) fraud surging across different markets, as scammers use social engineering to defraud users, building fraud controls into instant payment system roll-outs is critical to long-term success.

“With scams more prevalent than ever, securing instant payment systems is vital. The inherent speed of the transaction places pressure to detect fraud in real-time, and even in the set-up process before the payment. Pairing instant payments roll-outs with fraud detection advancements is vital to ensuring the modernisation of payments does not come at the cost of a deluge of fraud,” Maynard concluded.

The new market research suite offers the most comprehensive assessment of the instant payments market to date; providing analysis and forecasts of over 24,000 datapoints, across 61 countries, over five years. It includes a ‘Competitor Leaderboard’ and examination of future market opportunities. Download a free sample.

About Juniper Research

Juniper Research is a global tech strategist firm providing research, data, and forecasting across the fintech, telecoms, and IoT sectors. For over 20 years, Juniper Research has delivered actionable insights that help industry leaders navigate disruption, seize opportunities, and make confident strategic decisions. www.juniperresearch.com

Press Contact

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