1、2026 COMMERCE AND PAYMENT TRENDS REPORTCascading Innovation:How investments in payments are creating new opportunities and experiences3 Executive Insight4 Introduction5 Global insights from the experts6 Defining business size7 Trend 1 AI is your shopping agent:Agentic commerce is taking shape 15 Tre

2、nd 2 Payment is everywhere:How the POS revolution is unfolding 21 Trend 3 Embedded finance gets more accessible:Embedded finance lets Main Street businesses flex 29 Trend 4 When you need your money now:Instant payments bring speed,but for SMBs,some complication34 Trend 5 Cryptos moment?Stablecoins t

3、ake the stagebut whats next?41 Trend 6 Frictionless by design:How self-service payments have reshaped the consumer experience 47 Conclusion47 Methodology48 Thanks49 Sources2026 COMMERCE AND PAYMENT TRENDS REPORT 2 Table of Contents2026 COMMERCE AND PAYMENT TRENDS REPORT 3In the coming months and yea

4、rs,we expect further and perhaps massive changes in how people pay as agentic commerce activates the power of AI from search through purchase.In addition,we are seeingespecially in the USsignificant interest in instruments such as stablecoins,which some large and multinational companies have begun t

5、o introduce.Of course,for a trend to become a truly enduring part of the payment ecosystem,both business acceptance and consumer adoption have to come together.Take the way POS has moved from the counter to mobile devices.This happened not because regulators demanded it,but because businesses found

6、a use for it and consumers have embraced it.In areas such as instant payments,consumers have been the early adopters.Now,instant payments is also rewriting some of the rules of B2B commerce.This does not mean regulatory involvement is unimportant or irrelevant.Constructive regulatory engagement and