新支付时代指南.docxVIP

Thenewpaymentsera

Embracingchangeatfullspeedandfuture-proofingpaymentsfortomorrow’sneeds

Tableofcontents

Introduction:Theshiftingglobalpaymentslandscape 3

Rebuildingbankingfromthecore:Thestrategiccaseforpaymenthubs 7

Thefutureofcross-borderpayments:Real-timetransactionsdrivingglobalgrowth 10

InsightsfromACIWorldwide:Thefutureofreal-timepayments:HowA2Areshapesthefinanciallandscape 18

Risingpaymentsfraud:NavigatingAPPscams,real-timerisks,andtheAIthreatlandscape 20

InsightsfromACIWorldwide:AI-poweredfraudprevention:Tacklingidentitytheft,paymentsfraud,andscamsinrealtime 24

Tokenization:Thefutureofsecureandintelligentdigitalpayments 27

InsightsfromACIWorldwide:Navigatingthefutureofpayments:Trends,challenges,andopportunitiesforbanks 32

Navigatingregulationandcomplianceintheevolvingpaymentslandscape 35

ACIWorldwide:Poweringtheworld’spaymentsecosystem 39

Literature 41

2

2

3

3

Introduction:Theshiftingglobalpaymentslandscape

Adaptorfallbehind:Theurgentcaseforpaymentsmodernisation

ThePAY3602025surveybyThePaymentsAssociation

revealsasectorfocusedonbalancinginnovationwith

operationalandregulatorydemands.AIstandsoutasthetopopportunity,particularlyforfraudpreventionandcompliance.Cross-borderpaymentsremainakeygrowtharea,driven

bythepushforseamless,regulatedglobaltransactions.

Regulatorycomplianceistheleadingchallenge,whiletheadoptionofnewpaymentmethodsaddsfurthercomplexity.

Theseshiftsarehappeningagainstabackdropofrapid

transformation.Globalpaymentsarechangingfast,drivenbytech,real-timetransactions,digital-firstconsumers,andfiercefintechcompetition.Expectationsarerising,compliance

istightening,andregulationskeepevolving,reshaping

theentirelandscape.Forbanks,merchants,andservice

providers,it’sahugeoppor