The Paypers：2025年支付新时代：全速拥抱变革 为未来需求筑牢支付韧性报告（英文版）

In 2030, frictionless, tokenized, intelligent, and truly globalpayments are a glven, nstant cross-border transfers. fraudprevention powered by artificial intelligence (Al), andmodular,interoperable payment systems are no longergoals, They're the baseline.

Rewind to the 2020s: The payments ecosystem was at acrossroads,Legacy systems were holding back progress.even as consumer expectations soared and fintechinnovation accelerated, Banks, businesses, solutionproviders, and regulators f