Global Payments_2026年商业与支付趋势报告：级联创新：支付领域投资如何创造新机遇与新体验（英）-50页.pdfVIP

2026COMMERCEAND

PAYMENTTRENDSREPORT

Cascading

Innovation:

Howinvestments

inpaymentsare

creatingnew

opportunities

andexperiences

TableofContents

3ExecutiveInsight

4Introduction

5Globalinsightsfromtheexperts

6Definingbusinesssize

7Trend1—AIisyourshoppingagent:Agenticcommerceistakingshape

15Trend2—Paymentiseverywhere:HowthePOSrevolutionisunfolding

21Trend3—Embeddedfinancegetsmoreaccessible:EmbeddedfinanceletsMainStreet

businessesflex

29Trend4—Whenyouneedyourmoneynow:Instantpaymentsbringspeed,butfor

SMBs,somecomplication

34Trend5—Crypto’smoment?Stablecoinstakethestage—butwhat’snext?

41Trend6—Frictionlessbydesign:Howself-servicepaymentshavereshapedthe

consumerexperience

47Conclusion

47Methodology

48Thanks

49Sources

2026COMMERCEANDPAYMENTTRENDSREPORT2

LETTERFROMCAMERON:

Executiveinsight

Thisisanindustrywhereinnovationandtechnologicalchangeareconstants,andthatpace

ofchangecontinuestoaccelerate.Injustthepastfewyears,wehaveseentransformation

inthewaypeopleorderandpaythankstotheproliferationandtransformationofself-service

technologiesandinstantpayments.Embeddedfinancetoolsaremakingabroadarrayof

financialservicespossibleinordinarycommercialtransactions.

Inthecomingmonthsandyears,weexpectfurther–andIntheend,forat