This article outlines the evolving landscape of the global payments industry, highlighting the impact of fragmentation, digital assets, and AI. It discusses the roles and challenges faced by payments providers, merchants, platform providers, and solutions specialists, along with strategies for success in a rapidly changing environment.

The article explores the concept of agentic commerce, which posits that traditional apps are becoming obsolete as AI and conversational interfaces take over, streamlining the user experience. It discusses how this shift will fundamentally change payments and merchant interactions, emphasizing the need for businesses to adapt to AI-driven recommendations and new payment models.