《Payrails：2025支付领域的人工智能：从概念热潮到价值落地研究报告（英文版）（21页）.pdf》由会员分享，可在线阅读，更多相关《Payrails：2025支付领域的人工智能：从概念热潮到价值落地研究报告（英文版）（21页）.pdf（21页珍藏版）》请在三个皮匠报告上搜索。

1、AI in payments:From hype to impactHow modular infrastructure helps enterprises turn AI potential into real-world performance gainsRE PO RT2Much of the public attention on AI still centers on speculative visions or large-scale moonshots.In commerce,were seeing this play out most visibly in consumer-f

2、acing innovations from personalized shopping and voice-enabled checkouts to predictive recommendations that anticipate intent.These advances are already reshaping how customers experience payments:faster,smarter,and increasingly invisible.The most meaningful progress,however,is occurring in infrastr

3、ucture:how data is structured,connected,learned from,and acted upon.Sitting at the intersection of technology,compliance,and customer experience,payments provide one of the richest testing grounds for this shift.Payments generate high-volume,high-value data every second.Yet for many enterprises,they

4、 remain one of the most complex and resource-intensive functions to manage making them a prime candidate for transformation.While front-end experiences are becoming more intelligent,many back-end systems remain rigid and inefficient.Bridging this gap will define the next phase of payments innovation

5、.Several forces are converging to make AI in payments more relevant than ever:Operational pressure Rising authorization costs and more complex reconciliation requirements are cutting into margins.Payment teams are expected to do more with less.Regulatory change Frameworks like the EUs AI Act and DOR

6、A demand explainability and auditability,pushing companies toward transparent,modular systems.Global expansion Merchants now serve customers across dozens of markets and payment methods.Fragmented PSP data and inconsistent reporting slow down growth.AI maturity The cost and accessibility of AI tools