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1、Commerce and Payment Trends ReportFive trends to watch20 24Transformation and adaptation have always been at the heart of business,and thats especially true now.An un-predictable global economy has forced many leaders into action.And with the rapid advance of new technologies,those who get out in fr

2、ont of major trends are in the best position to benefit from them.In commerce,businesses of all sizes have experienced a year of disruption and rapid change.Most notably,generative AI is catalyzing transformation and innovation.Already,many businesses are deploying generative AI to rapidly improve c

3、ustomer service and support,enhance security and fraud detection,and support the integrations critical to making payments efficient and powerful.Without a doubt,generative AI represents one of the most impactful trends we have seen in decades.This and other trends present new opportunities to rethin

4、k and reinvent the entire payment and consumer experience at the business level.Whether its embedded payments,behavioral biometrics or gamification of payments,businesses are on an ongoing journey of innovation and creating fresh experiences for consumers.The result is less friction and more engagem

5、ent,and the expectation that businesses will keep raising their game.Of course,that expectation is not just for new ways of handling and processing payments.Some relate to the basics.Take the issue of security and fighting fraud.Businesses cant afford to sit on the sidelines.The technologies and dig

6、italization that drive so many of the improvements in the payment process are also driving greater exposure to bad actors.As we build new enhancements,we need to think about making the entire commerce and payment process even more secure.These trends form the center of this years report.We have spok