Changing consumer habits show need for SMEs to modernise payments

New research has revealed the pressure UK SMEs are coming under to modernise their payment solutions, amid a rapid shift in consumer habits and preferences. The “What SMEs Need From Their Payment Provider” whitepaper from end-to-end payment solution provider DECTA has offered an insight into evolving consumer expectations and the challenges SMEs face in meeting them in the current economy.

The report surveyed more than 2,000 nationally representative consumers. The findings highlighted that, while consumers still expect speed and convenience when making payments, security is an increasingly key priority. This indicates that SMEs may need to focus on strengthening fraud prevention methods as much as, or perhaps more than, they work to provide fast, convenient payment methods.

Additionally, the report demonstrated a desire among consumers for SMEs to offer the same sophisticated payment tools as larger counterparts, including alternative payment methods such as Open Banking and Buy Now Pay Later (BNPL).

Consumers identified obtaining refunds from SMEs as a considerable deterrent to using small businesses, with smaller firms often seen as lagging behind their larger counterparts in this regard. Consumers polled for the report were also keen for SMEs to build stronger online presences, with many actively seeking to engage with smaller businesses online.

Commenting on the findings of the report, DECTA CEO Scott Dawson said: "SMEs are the bedrock of the UK economy —supporting 16.8 million jobs and generating an impressive £2.8 trillion in turnover annually.”

“As a fintech community, we must ensure these businesses have access to the same high-calibre tools and technologies as larger corporations. Our research makes it clear: consumers are looking for faster, safer, and more diverse payment options from their local businesses. Meeting these expectations is essential for unlocking SME growth.”

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Key Value
APP_NAME
"Laravel"
APP_ENV
"local"
APP_KEY
"base64:6coDXzCRsacXGmkPvjvAXO03DG2dJJdkX6rr1+rpvVg="
APP_DEBUG
"true"
APP_LOG_LEVEL
"debug"
APP_URL
"http://localhost"
DB_CONNECTION
"mysql"
DB_HOST
"127.0.0.1"
DB_PORT
"3306"
DB_DATABASE
"bizsale_db"
DB_USERNAME
"bizsale_admin"
DB_PASSWORD
"+fUTe#g#3."
BROADCAST_DRIVER
"log"
CACHE_DRIVER
"file"
SESSION_DRIVER
"file"
SESSION_LIFETIME
"120"
QUEUE_DRIVER
"sync"
REDIS_HOST
"127.0.0.1"
REDIS_PASSWORD
"null"
REDIS_PORT
"6379"
MAIL_DRIVER
"smtp"
MAIL_HOST
"smtp.mailtrap.io"
MAIL_PORT
"2525"
MAIL_USERNAME
"null"
MAIL_PASSWORD
"null"
MAIL_ENCRYPTION
"null"
PUSHER_APP_ID
""
PUSHER_APP_KEY
""
PUSHER_APP_SECRET
""
EMAIL_TESTING
"true"
COMPANIESHOUSE_KEY
"u82ND42fnkdYxqCH945hvlmaflxDPIyT2sMcWLrj"
0. Whoops\Handler\PrettyPageHandler