支付领域的人工智能：从概念热潮到实际影响——模块化基础设施如何帮助企业将人工智能潜力转化为实际性能提升

How modular infrastructure helps enterprises turn AIpotential into real-world performance gains R E P O R T INTRODUCTION The promise of AI, the reality of payments Much of the public attention on AI still centers onspeculative visions or large-scale moonshots. Incommerce, we’re seeing this play out most visibly inconsumer-facing innovations – from personalizedshopping and voice-enabled checkouts to predictiverecommendations that anticipate intent. These advancesare already reshaping how customers experiencepayments: faster, smarter, and increasingly invisible. Several forces are converging to make AI in paymentsmore relevant than ever: Together, these factors are shifting AI from experimentationto necessity. For large merchants, even a one-percentimprovement in authorization rates or a day saved inreconciliation can translate to millions in revenue. •Operational pressure Rising authorization costs and more complexreconciliation requirements are cutting into margins.Payment teams are expected to do more with less. But these benefits depend on having data that is accessible,standardized, and ready for continuous learning. •Regulatory change For enterprises seeking to optimize payment operationsin an increasingly complex global environment, gettingthe most out of AI will depend on providing it with clear,structured, and unified inputs. In the traditional world offragmented global payments, this was a challenge. In theemerging landscape, modular and connected paymentinfrastructure will be the enabling layer for the manyimprovements that AI has the potential to unlock. Frameworks like the EU’s AI Act and DORA demandexplainability and auditability, pushing companiestoward transparent, modular systems. The most meaningful progress, however, is occurring ininfrastructure: how data is structured, connected, learnedfrom, and acted upon. •Global expansion Sitting at the intersection of technology, compliance,and customer experience, payments provide one of therichest testing grounds for this shift. Merchants now serve customers across dozens ofmarkets and payment methods. Fragmented PSPdata and inconsistent reporting slow down growth. •AI maturity Payments generate high-volume, high-value dataevery second. Yet for many enterprises, they remainone of the most complex and resource-intensivefunctions to manage – making them a prime candidatefor transformation. While front-end experiences arebecoming more intelligent, many back-end systemsremain rigid and inefficient. Bridging this gap will definethe next phase of payments innovation. The cost and accessibility of AI tools have improveddramatically, making intelligent automation viable forenterprise use cases once considered too complex. OF ORGANIZATIONSOVER75%now use AI in at least onebusiness function OF PAY MENTS PROFESSIONALS40%expect AI to exert a significant influence onpayment processing in the next two yearsNEARLY “When people talk about AIin payments, they often jumpstraight to consumer discoveryor new rails. But the biggestgains today are happeningbehind the scenes – makingoperations more efficient,reconciliation faster, andworkflows smarter.” The future is modular Un(b)locking AI Increasingly, enterprise leaders view modularity asthe key enabling piece in the shift to more intelligentpayments. Modular systems connect PSPs and acquirersthrough standard interfaces, centralize analytics,and allow new capabilities to be introduced withoutdisrupting what already works. They give enterprises theflexibility to pilot AI-driven processes, measure results,and expand confidently. In this report, we explore how AI is reshaping enterprisepayment operations: from the automation alreadydriving measurable efficiency to the intelligent systemsnow learning from every transaction. We look at the foundations that make this possible –data that is clean and connected, infrastructure thatis modular and auditable, and teams that design foradaptability rather than scale alone. As merchants move from siloed PSP setups to modularpayment infrastructure, they create the conditions for AIto thrive. Systems built on clean data and composablelogic can learn, adapt, and continuously improve. Together, these perspectives show how enterprisescan move from experimentation to execution, turningmodular architecture into a lasting competitiveadvantage. Orkhan AbdullayevCHIEF EXECUTIVE OFFICER The direction of travel is clear. Payments are evolvingfrom a function that moves money to a system thatgenerates intelligence. As AI becomes embedded inarchitecture rather than layered on top of it, paymentoperations will gain the ability to learn continuously,adapt to new conditions, and contribute directly tostrategic outcomes. How modularity unlocks growth By stitching together PSPs, data sources, and regions, modular infrastructurecreates the visibility and continuity required for AI-driven optimization. THE CHANGING LANDSCAPE From consumer AI to agentic payment operation