1、Partnering forpayment modernizationHow leading banks and retailers are unlocking the future of paymentsKPMG.Make the DForewordThe pace of change in the payments ecosystem has been extraordinary.Two primary forces have been driving the momentum digital currencies and AI and both have the power to rad
2、ically disrupt the payments space for banks and retailers.The rapid evolution of digital currencies and,more importantly,the underlying distributed ledger technology,potentially provides greater speed,efficiency,security and acceptance.Today,digital currencies are creating alternate rails that could
3、 fundamentally transform the traditional payment ecosystem(and,in doing so,disintermediate many financial institutions).With SWIFTs planned introduction of a blockchain-based ledger,1 a fundamental shift in payment technologies is now underway.The other big disruptor is AI agentic commerce in partic
4、ular.Recent estimates suggest that around half of ChatGPT users in the US asked the tool to help them with their holiday shopping this year.Now,chatbots capable of not only selecting products,but also now paying for them,are emerging and transforming the purchasing patterns of AI native consumers.Bi
5、g AI companies are at the forefront.But,as we noted in a recent report,2 many of the worlds largest retailers are rapidly developing their own agentic shoppers.Those left out of the action are increasingly worried they,too,will be bypassed by their customers.Banks and retailers will need to move qui
6、ckly to adapt to this new environment or face the real risk of obsolesence.And that is putting significant urgency behind efforts to rapidly modernize payment infrastructure,processes and operations across both sectors.In this fast-paced,high-risk environment,banks and retailers cannot afford to wor
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