2026COMMERCEANDPAYMENTTRENDSREPORTCascadingInnovation:How investmentsin payments arecreating newTransactionopportunitiesapprovedand experiencesglobalpayments
Table of Contents3456752ExecutiveInsightIntroductionGlobalinsiahtsfrom theexpertsDefininabusinesssizeTrend1Alisvourshoopina agent:Acerticcommerce is takingshapeTrend2Pavmentisevervwhere:How thePOS revolutionisunfoldingTrend3Embeddedfinancedetsmoreaccessible:EmbeddedfinanceletsMainStreetbusinessesflexooTrend4Whenvauneed vourmonev now.Instant pavments bing speed, but forSMBs.somecompicationTrend5Crypto'smoment?Stablecoins takethe stage-butwhat'snext?Trend6Frictionlessbydesion:Howselfl-servicenavmentshavereshacedtheconsumerexperience守字孚学MethodoloavThanksSources2026COMMERCEANDPAYMENTTRENDSREPORT2
LETTERFROMCAMERON:Executive insightThis is an industry where innovation and technoloaicalchanae are constantsandthat paceof change continues to accelerate. In just the past few years, we have seen transformationin the wav peoole order and pav thanks to the prliferation and transformation of self-servicetechnologies and instant payments. Embedded finance tools are making a broad aray offinancialservices possible in ordinarv commercialtransactionsthe end. for atechnologicalleap to takehold. theCameronBreadynceofconsumer andbusiness adoction s criticalChiefExecutiveOfficeruaforcantionwith soe technolbgies,GlabalPaymentsgamallandmedium-szed bushesesBuchasstablecoinsnnovationbudgets arenotlinidles.Pasttrendathatdidnotpanout-such as theare areminderthat evenpromisingideas canometimes falltogain tractionOfcourse,for atwend to become a truly enduringpart of theaymentecoeystem,bothbusiness acceptance andinovation investmentsby businesses areaconsumer adoptian have to come togetheraybeableto waitforproofofluse cases,but rarely can they affordethewayPOShas mavedfromthe counter tomobileThis happened not becauserequlators demandeditrcetoewritetheexpectations;ses that are makng the incementaarlyadopteraNow.instantrvforacenticcommerce to workorewritinasomeoftherulesofB2Banoveriewofthe trendshapingtheintsindusty.Wa recognize that constantg,anditis ourgoaltohelpouris does nat meanregulatory invalvement is unimportant oConstuctve regulatoryengagement andmingandhowtooetetting areessentialtoonewillhaveadlaceinoureconomvnents andsfarmedbyinnovation, technalogicsdoption andevolvinaconsumer expectationa.new products and servicesvitial egulatory supportfor standardsand rules goverringstalblecoins willmeaningfulydrive thattrend forward2026COMMERCEANDPAYMENTTRENDSRERORT3
CHARTINGCOMMERCESNEXTSHFT:IntroductionThe nonstopchange andhecommondenominatorsare steadyinvestment andatention bymanystakeholders inthe payment apaceor they arelarge multinatibonal enterpries or smallandtransformation of paymentscanedbusinesses(SMBa), thedecisilon-makers andorsincommerce andpayments are constantlyprabinggiveoffthe impression of aIimits of what'spossible. In self-serviceprocessesagrowingnumberofusecases and,deluge. In truth, the changesnsumeruptake. In instant payments,9199ethe exploration ofB2B applicationscascading through commerceThe20206trendswehaeicdanti...
