Embedded payments have transformed the online shopping experience by offering consumers a variety of payment options beyond traditional credit and debit cards, such as digital wallets and Buy Now Pay Later services. Businesses must strategically choose payment methods that align with customer preferences to enhance the overall shopping journey and drive conversions. Adapting to new payment technologies and personalizing the customer experience are essential for success in modern commerce.

A recent survey reveals that while 97% of U.S. e-commerce companies report a positive ROI from AI investments, only 25% note slight improvements in customer experience. Most companies spent an average of $403,000 on AI, primarily focusing on customer service and marketing analysis, yet transformative benefits remain elusive.