According to a study published at Sibos 2025 by Vyntra, European consumers prioritize secure and resilient payment services over rapid transaction speeds.

The research, based on a survey of more than 1,000 adults in Europe, challenges the prevailing notion that faster transactions are key to customer loyalty. Instead, resilience and transparency emerge as crucial factors influencing consumer confidence. Two-thirds of respondents indicated they would prefer secure transactions even if it results in slower processing times.

Resilience and Trust as Key Competitive Priorities

Beyond speed, consumer expectations encompass reliability. Approximately 80% of participants expressed a willingness to switch providers if outages became frequent, with more than half expecting less than an hour of total downtime annually.

Trust also takes center stage. Nine in ten respondents deemed it essential to understand how their provider safeguards both financial and personal data, indicating a gap in clear communication about security measures. More than half viewed additional verification steps as reassuring rather than burdensome, with almost none viewing them negatively.

A Vyntra representative stated that consumers now evaluate payment services through multiple lenses beyond just speed. Frequent outages or security lapses can swiftly undermine trust. They stressed that fraud prevention and operational resilience should be integral to building reliability together.

The report provides a blueprint for banks, payment firms, and fintech companies to align their operational design with consumer expectations. It underscores the risks of neglecting consumer concerns while highlighting opportunities for those who can demonstrate both security and efficiency.