Yaspa Index Reveals Consumer Payment Priorities

In 2025, security and ease of use remain the foremost priorities for individuals making online payments, according to an extensive survey commissioned by Yaspa, a leading provider of real-time payment solutions for iGaming platforms. The inaugural Yaspa Index provides crucial insights into emerging payment trends, evolving consumer behavior, and the growing importance of digital payments within the broader online ecosystem.

The findings from the study, which surveyed over 2,000 UK adults, underscore the increasing emphasis on secure and user-friendly payment options, particularly as digital payment methods become increasingly integrated into various online services, including iGaming platforms.

Survey Overview: The Yaspa Index

Yaspa, renowned for its award-winning real-time payment solutions, serves as a key partner for iGaming brands like Novibet and Playbook Engineering. The Yaspa Index was launched to understand emerging payment preferences among consumers, shedding light on what matters most when it comes to payment choices. The survey also aimed to gauge the familiarity and adoption of new payment methods such as “Pay by Bank,” a term associated with instant account-to-account payments driven by open banking technology.

The 2,000-strong sample of UK adults was asked to identify the key factors influencing their decisions when paying online, offering a comprehensive look at the modern consumer's mindset in the context of digital payments.

The Importance of Security in Online Payments

One of the most striking findings of the study was the overwhelming priority placed on security. According to the results, a significant 72% of respondents cited security as one of their three most important considerations when selecting an online payment method. This reveals that the fear of fraud or data breaches is a dominant concern for online shoppers and gamblers alike. Whether purchasing goods or depositing funds into an iGaming account, users need to feel confident that their personal information and financial transactions are well-protected.

Given the rise in cyber threats, such as phishing scams and hacking incidents, online platforms must invest heavily in secure payment technologies. With a growing number of cybercriminals targeting vulnerable online systems, iGaming operators must prioritize cutting-edge encryption protocols and multi-factor authentication methods to safeguard user data.

The Growing Need for User-Friendliness

Right behind security, ease of use emerged as the second most crucial factor for consumers when making payments online. A solid 66% of participants highlighted this priority, indicating that they prefer payment systems that are quick to set up and easy to navigate. With the increasing digitization of payments, consumers expect seamless, frictionless payment processes that minimize steps and ensure swift transactions.

A complicated checkout process can result in high abandonment rates. iGaming operators and other digital service providers must cater to this demand by offering payment systems that are intuitive and straightforward, while also maintaining high levels of security. This shift towards user-friendly platforms is a crucial development in retaining customers and ensuring satisfaction in the highly competitive digital marketplace.

Speed vs. Loyalty Programs: Where Do They Stand?

While loyalty programs and rewards are often touted as powerful tools for customer retention, the survey revealed that they are not as important to consumers as convenience and security. Only 7% of respondents regarded loyalty programs as a top priority, and a mere 16% valued points and rewards highly. In contrast, the factors of security and ease of use far outweighed these loyalty incentives.

This insight suggests that, while loyalty programs do have their place, operators must focus more on streamlining payment processes to enhance customer experience. Loyalty initiatives may still play a role in retaining players, but they should not overshadow the importance of offering secure, fast, and user-friendly payment options.

The Rise of Open Banking and “Pay by Bank”

Another significant revelation from the Yaspa Index is the level of awareness surrounding the term “Pay by Bank.” The survey found that only 55% of participants were familiar with this term, which is widely associated with open banking-powered, account-to-account payments. Despite its growing presence in online checkouts, 45% of respondents remained unaware of the phrase.

Open banking has gained significant traction over the past few years, enabling consumers to make faster and more secure payments directly from their bank accounts, bypassing traditional payment gateways. While the term “Pay by Bank” may still be relatively unknown to a large segment of the population, its benefits, including faster processing times and reduced transaction fees, make it an attractive option for both businesses and consumers.

As awareness of open banking continues to grow, iGaming operators and other businesses must invest in educating their customers about these innovative payment methods. By doing so, they can drive greater adoption of real-time payments and enhance the overall user experience.

The Future of Payment Solutions in iGaming

As the digital payment landscape continues to evolve, it is clear that security, user-friendliness, and speed will remain paramount for consumers. The findings of the Yaspa Index provide valuable guidance for iGaming operators who must stay ahead of the curve in offering cutting-edge payment solutions.

To remain competitive in a fast-paced digital world, iGaming operators must prioritize faster, more secure payment systems, such as those enabled by open banking and real-time payments. By doing so, they can meet consumer expectations, drive higher levels of player satisfaction, and ultimately boost retention and revenue.

Embracing Real-Time Payment Solutions

Real-time payments are revolutionizing the way money moves between accounts, with instant deposit and withdrawal options becoming an increasingly important feature for iGaming platforms. Yaspa, with its expertise in providing seamless real-time payment solutions, is helping operators streamline their payment processes while improving security and reducing the risk of fraud.

By adopting technologies that enable instant payments, operators can offer players faster, more efficient transactions that enhance their overall experience. This focus on speed, along with an emphasis on security and user-friendliness, will undoubtedly shape the future of online payments in the iGaming industry.

Conclusion

The inaugural Yaspa Index provides invaluable insights into the online payment priorities of consumers in 2025. With security, ease of use, and speed at the forefront of consumer concerns, iGaming operators and digital service providers must adapt by offering secure, fast, and user-friendly payment solutions. Open banking and real-time payments will play an increasingly important role in shaping the future of online payments, offering businesses the opportunity to enhance their customer experience and improve operational efficiency.

FAQs

What are the main priorities for online payment users in 2025?
Security and ease of use are the top priorities for users making online payments, with speed also being an important factor.

Why is security so important for online payments?
Security is crucial to protect users' personal and financial information from cyber threats and fraud, which are prevalent in the digital landscape.

What percentage of people prioritize security when choosing online payment methods?
72% of survey respondents identified security as one of their top three priorities when selecting an online payment method.

How important are loyalty programs to consumers when paying online?
Loyalty programs ranked lower in importance compared to security and ease of use, with only 7% of respondents considering them a top priority.

What is “Pay by Bank”?
“Pay by Bank” refers to an open banking-powered payment method that allows for instant, secure account-to-account transfers without the need for traditional payment gateways.

How many people are familiar with the term “Pay by Bank”?
The survey found that 55% of respondents were familiar with the term “Pay by Bank,” while 45% were unaware of it.

How can iGaming operators enhance player satisfaction through payment solutions?
By prioritizing secure, fast, and user-friendly payment options, iGaming operators can improve the user experience, leading to greater player satisfaction.

What role does real-time payment technology play in online payments?
Real-time payment technology enables instant deposits and withdrawals, improving transaction speed and enhancing the overall payment experience for users.

Why should iGaming operators adopt open banking payment solutions?
Open banking allows for faster, more secure payments, and by adopting it, operators can offer a better experience to players while reducing transaction costs.

What trends are shaping the future of online payments in the iGaming industry?
Security, user-friendliness, and speed are the primary trends, with open banking and real-time payments playing an increasingly prominent role.