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How payment personalization could change the way we pay
Payment personalization is accelerating under the push of AI, extending from shopping recommendations to payment method recommendations and even agent-initiated orders. Industry experts point out that AI agents can analyze consumer data in real time and select the optimal payment account, prompting payment institutions to compete for recommendation slots just as merchants compete for search rankings. This article reviews the current state of payment personalization, industry response strategies, and future trends.
Payments fraud risks burgeon with AI
In 2026, payment fraud risks are expected to intensify due to the involvement of AI, with new fraud methods such as deepfakes and synthetic identities emerging one after another. Industry experts point out that while AI improves payment efficiency, it also provides fraudsters with more sophisticated tools for their crimes. This article synthesizes the views of multiple industry insiders to analyze the current fraud landscape, technological responses, and regulatory developments.
Heavy metal’s hot in payment cards
Premium payment cards are shifting from plastic to metal, becoming a status symbol. Issuers such as American Express and JPMorgan Chase have launched metal cards, and the market continues to grow, but metal cards account for only about 1% of the global market.
How payments will evolve: 6 industry trends to watch in 2026
The payment industry will face a critical turning point in 2026: the implementation of a federal stablecoin regulatory framework, state-level regulation filling the CFPB gap, accelerated penetration of agentic commerce, ongoing interchange fee disputes, and persistent fraud risks. This article outlines six major trends and analyzes how the industry can innovate and adapt within the new regulatory environment.
Open banking to survive Trump, fintechs say
Despite shifting U.S. regulatory policies, industry lawyers and executives expect the open banking trend, which allows banks and payment institutions to share consumer data more conveniently, to continue advancing.
Checkout-free payments may yet rise
Checkout-free payment technology, after Grabango's collapse and Amazon's reduced investment, is still seen by industry experts as having great potential. Advances in AI, declining costs, and demand in specific scenarios such as sports venues may drive the technology's revival. This article synthesizes multiple perspectives to analyze its current state, challenges, and future.
Fintech Companies in the Trump Era May Steal the Spotlight from Banks
With Trump back in office, payment fintech companies are expected to gain more regulatory space, including special-purpose national bank licenses and a federal framework for stablecoins. However, traditional financial institutions such as banks may come under pressure as a result. This article summarizes the views of industry lawyers, former officials, and recent policy developments.