2025年全球商业和支付趋势报告_55页_4mb.docxVIP

2025CommerceandPaymentTrendsReport

Stayingoutfront:Howpaymentsaredrivingdifferentiation

2025TrendsOverview

2025CommerceandPaymentTrendsReport

Cameron

CameronBready

ChiefExecutiveOfficer

GlobalPayments

EXECUTIVEINSIGHT

Inaglobaleconomybeingtransformedbytechnologyandbuffetedbyuncertaintyandgeopoliticalrisks,businessesarelookingforeveryedgetoconnectandengagewithconsumers.

Evenasinflationcoolsandstockmarketwealthincreases,consumersarestillcautious.Majormarkets,bothinEuropeandAsia,arestillexperiencinglowgrowthrates.1,2

Insuchanenvironment,everystrategicdecisionandchoicecanmakethedifferenceformanyoftheworld’sleadingbusinesses.That’swhythisyear’strendsreportissocritical.Itoutlinessixmajordevelopmentstestingthetraditionalnormsofcommerce.Onesuchtrend—theriseofgenerativeAI—hasfar-reachingimplicationsthatarejustnowbeginningtobeappreciated.EventhemostadvancedAIexpertsdon’tknowexactlyhowitwillreshapeourlives,whetheratworkorathome.

Butasthisreportmakesclear,amajortrendlikeAIcanweaveitswayintoourlivesquickly,evenifitsimpactismostlyfeltbehindthescenes,attheoperationallevel.AtGlobalPayments,wespendsignificanttimeimmersedinthesetrends.Weseethemaffectthewayourclientsandcustomersnotonlyconductbusinessandmanagetransactions,butalsotransformtheiroperationsandelevaterelationshipswithconsumers.

Whatweseenowsuggeststhatwhenwell-executedandfullyenabled,paymentexperiencescandifferentiateabusinessandputitaheadofitscompetitors.

Atatacticallevel,paymentscanbethebasisofanewandmeaningfulbrandjourney,asourceofinsightintoconsumerpatternsandatriggertothebusiness’sbackendandsupplychaintoshicourse.Weareseeingthesetrendsplayoutacrosssixmajorcategories:

AIanditsearlywins

Unifiedcommerce’simpactonthebacke