El negocio de pagos crecerá a un ritmo del 5% hasta el año 2030

The global payments industry is projected to grow at a rate of 5% per year until 2030, reaching revenues of $408 trillion (362 trillion euros) by that point, according to a recent report from Boston Consulting Group (BCG). This represents an annual growth of 5%, down from the 7% growth seen in the previous six years. In 2025, global revenues hit nearly $2 trillion and are expected to reach approximately $2.6 trillion by 2030.

The slowdown in growth is attributed to a shift in the factors driving the industry's expansion over the past few years. While revenues directly tied to transactions are projected to grow at an annual rate of 6% through 2030, they still trail the overall market growth. The influence of interest rates on other income sources has diminished, and the migration of cash to digital means has shown less momentum in mature economies.

This evolution places the sector in a phase where a larger share of new income will stem from transactional activities and associated services, as opposed to direct transaction revenues. Concurrently, instant payments, tokenized instruments, and artificial intelligence are expanding the capabilities of the financial infrastructure.

Growth patterns are asymmetric, with mature markets experiencing deceleration and increased profitability pressure. Looking ahead to 2030, the outlook presents a differentiated evolution, with the Middle East and Africa growing at around 8% annually, and Latin America at 7%, driven by accelerated digital payment adoption.