2025年全球商业和支付趋势报告_55页_4mb

2025 Commerce and Payment Trends Report Summary

Core Content

The 2025 Commerce and Payment Trends Report outlines how payment technologies are reshaping business strategies and consumer experiences globally. It highlights six major trends that are influencing the way businesses operate, with a focus on innovation, efficiency, security and personalization.

Main Trends and Key Insights

1. AI and its Early Wins

• Impact: AI, especially generative AI (GenAI), is transforming client services, marketing, and fraud detection.
• Benefits: AI streamlines payment processing, automates tasks, and provides insights into consumer behavior.
• Applications:
  • AI can recommend products based on shopping history.
  • AI agents help SMBs reduce operational costs and responsibilities.
  • AI is being used for payroll, HR functions, and marketing reports.
• Challenges:
  • AI must be free from bias to ensure fair access to financial products.
  • SMBs are more enthusiastic about AI but also more concerned about understanding and reliability.

2. Unified Commerce's Impact on the Back End

• Definition: Unified commerce integrates all back-end operations into a single platform, regardless of where the transaction starts.
• Adoption:
  • 43% of retailers already use unified commerce platforms.
  • 73% of these retailers have used the technology for over five years.
• Growth:
  • SMBs and midmarket companies are more likely to increase investments in unified commerce.
  • Sectors like restaurants and hospitality are showing strong interest in these platforms.

3. Embedded Payments Make the B2B Leap

• Definition: Embedded payments integrate financial services into business processes and supply chains.
• Benefits:
  • Creates seamless and efficient payment experiences.
  • Allows businesses to operate within the platforms they prefer.
• Adoption:
  • 76% of enterprise businesses have over five years of experience with embedded payments.
  • SMBs and midmarket businesses are increasingly investing in embedded payments to compete.

4. New Tools to Drive Digital Security and Fight Fraud

• AI's Role: AI is being used to detect anomalies in consumer behavior and prevent fraud.
• Examples:
  • Mastercard and Visa are investing in AI-enabled fraud detection.
  • AI helps distinguish legitimate chargebacks from fraudulent ones.
• Benefits: Enhanced security and reduced financial losses for online businesses.

5. The POS as a Place of Service

• Evolution: Point-of-sale (POS) systems are becoming more than just transaction tools.
• Applications:
  • POS systems are being used for personalized consumer interactions.
  • Digital-payment processing helps track preferences and build stronger relationships.
• Trend: POS is now a critical touchpoint for service delivery in retail and hospitality.

6. Payment Orchestration Matures and Blossoms

• Definition: Payment orchestration links multiple back-office functions to streamline operations.
• Benefits:
  • Enables SMBs to transact like enterprises.
  • Reduces time gaps between accounts payable and receivable.
• Use Cases:
  • Allows small business owners to use their mobile phones as payment devices.
  • Enhances business execution and transformation.

Key Business Size Definitions

• SMBs: Businesses with up to $50 million in annual revenue.
• Midmarket: Businesses with $50 million to $1 billion in revenue.
• Enterprises: Businesses with $1 billion or more in revenue.

Consumer and Business Behavior

• Digital Wallets:

  • Expected to grow from 3.4 billion users in 2022 to 5.2 billion by 2026.
  • AI-enhanced wallets provide spending insights, credit scores, and more.
  • SMBs are more likely to deploy digital wallets than enterprises (82% vs. 25%).

• Search-to-Purchase:

  • Enables consumers to find and buy products without leaving a social media platform.
  • Increasingly used by brands like TikTok, Zara, and Dyson.
  • Requires seamless payment integration to maintain the user experience.

• Live Commerce:

  • A fast-growing trend, especially in Asia.
  • TikTok Shop set a $1 million sales record in 2024.
  • Live commerce is seen as an extension, not a replacement, for physical stores.
  • Payment processes must be seamless to support this trend.

• Physical Locations:

  • Remain a high priority for midmarket and SMBs.
  • Enterprises also prioritize physical stores (55%) over live commerce and the metaverse.
  • The gap in adoption between enterprise and smaller businesses may be due to cost and risk considerations.

Conclusion

Payment technologies are at the heart of modern commerce, influencing everything from consumer engagement to operational efficiency. As businesses across all sizes invest in AI, unified commerce, embedded payments, and secure payment systems, the ability to deliver a seamless, personalized, and efficient payment experience is becoming a key differentiator. Understanding and adapting to these trends is essential for market leadership and business growth in 2025.