1、The new payments era Embracing change at full speed and future-proofing payments for tomorrows Introduction:The shifting global payments landscape.3Rebuilding banking from the core:The strategic case for payment hubs.7The future of cross-border payments:Real-time transactions driving global growth.1

2、0Insights from ACI Worldwide:The future of real-time payments:How A2A reshapes the financial landscape.18Rising payments fraud:Navigating APP scams,real-time risks,and the AI threat landscape.20Insights from ACI Worldwide:AI-powered fraud prevention:Tackling identity theft,payments fraud,and scams i

3、n real time.24Tokenization:The future of secure and intelligent digital payments.27Insights from ACI Worldwide:Navigating the future of payments:Trends,challenges,and opportunities for banks.32Navigating regulation and compliance in the evolving payments landscape.35ACI Worldwide:Powering the worlds

4、 payments ecosystem.39Literature.41Table of Adapt or fall behind:The urgent case for payments modernisationThe PAY360 2025 survey by The Payments Association reveals a sector focused on balancing innovation with operational and regulatory demands.AI stands out as the top opportunity,particularly for

5、 fraud prevention and compliance.Cross-border payments remain a key growth area,driven by the push for seamless,regulated global transactions.Regulatory compliance is the leading challenge,while the adoption of new payment methods adds further complexity.These shifts are happening against a backdrop

6、 of rapid transformation.Global payments are changing fast,driven by tech,real-time transactions,digital-first consumers,and fierce fintech competition.Expectations are rising,compliance is tightening,and regulations keep evolving,reshaping the entire landscape.For banks,merchants,and service provid