Change your business address
If you're a full access user, you can update your business, registered, mailing and personal addresses within Online for Business and the Business banking app.
More Than Checkout: The Role of Payments in Retail in 2026
Drawing on insights from UK retail decision‑makers, the report highlights why payments now sit at the centre of modern retail operations.
Read time: 5 mins Added: 07/05/26
Understanding the evolving role of payments in retail
This latest report brings together insights from 1000 UK retail businesses - to explore how payment performance influences service, speed, staff efficiency, cash flow visibility and long‑term planning.
From independent stores to multi‑site retailers, payments now play a critical role well beyond the till — enabling hybrid checkout models, improving reliability at peak trading periods, helping retailers serve customers and however the moment calls for it.
Whether you operate a single store or manage a growing estate, the report offers practical insight into how retailers are adapting payment strategies to meet rising customer expectations and keep retail moving.
What’s inside
- How speed and convenience are setting the new standard at checkout
- Why reliability is essential to customer trust and to keeping stores trading smoothly
- The rise of hybrid checkout, from fixed tills to mobile and in‑aisle payments
- Why choice, clarity and predictable costs matter more than ever
- How payments are moving to the centre of retail ops and how Lloyds can help
You can download the full report (PDF 3.3MB), for a more detailed look.