新支付时代：全速拥抱变革，为未来需求筑牢支付基础

Table of contents Introduction: The shifting global payments landscape ................................................................................................................................. 3Rebuilding banking from the core: The strategic case for payment hubs ................................................................................................ 7The future of cross-border payments: Real-time transactions driving global growth ........................................................................... 10Insights from ACI Worldwide: The future of real-time payments: How A2A reshapes the financial landscape............................. 18Rising payments fraud: Navigating APP scams, real-time risks, and the AI threat landscape ........................................................... 20Insights from ACI Worldwide: AI-powered fraud prevention: Tackling identity theft, payments fraud, and scams in real time... 24Tokenization: The future of secure and intelligent digital payments ....................................................................................................... 27Insights from ACI Worldwide: Navigating the future of payments: Trends, challenges, and opportunities for banks................. 32Navigating regulation and compliance in the evolving payments landscape ....................................................................................... 35ACI Worldwide: Powering the world’s payments ecosystem ..................................................................................................................... 39Literature ................................................................................................................................................................................................................ 41 Introduction: The shifting global payments landscape Adapt or fall behind: The urgent case forpayments modernisation In 2030, frictionless, tokenized, intelligent, and truly globalpayments are a given. Instant cross-border transfers, fraudprevention powered by artificial intelligence (AI), andmodular, interoperable payment systems are no longergoals. They’re the baseline. ThePAY360 2025 surveyby The Payments Associationreveals a sector focused on balancing innovation withoperational and regulatory demands. AI stands out as the topopportunity, particularly for fraud prevention and compliance.Cross-border payments remain a key growth area, drivenby the push for seamless, regulated global transactions.Regulatory compliance is the leading challenge, while theadoption of new payment methods adds further complexity. 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 faced mounting pressure tomodernise infrastructure, embrace open ecosystems, andtackle increasingly sophisticated fraud. These shifts are happening against a backdrop of rapidtransformation. Global payments are changing fast, driven bytech, real-time transactions, digital-first consumers, and fiercefintech competition. Expectations are rising, complianceis tightening, and regulations keep evolving, reshapingthe entire landscape. For banks, merchants, and serviceproviders, it’s a huge opportunity—but only if they move fast,innovate strategically, and rethink how payments fuel theirfuture. This report explores the challenges and strategic shifts—from the rise of AI and orchestration platforms to evolvingregulations and modernised payment hub strategies—that are shaping the future of payment systems. It offersactionable insights for all players across the paymentsecosystem on how to start positioning themselves today tolead, not lag, as the decade progresses. Traditional systems—rigid and fragmented—can’t keep upwith the shift to instant, cross-border payments or the needfor seamless, secure experiences. Navigating complex globaland local rules demands flexible systems, and as digitalgrowth speeds up, so does the need for AI-powered riskmanagement. Legacy tech just can’t scale to support newpayment methods and partners. Welcome to the origin story of the next era of payments. Today, payments aren’t just transactions—they’re a strategicengine for growth, loyalty, and competitiveness. Businessesneed scalable, cost-effective, and flexible tools to streamlinepayments and ease operational burdens. Challenges and legacy infrastructure Banks and financial institutions (FI) face growing pressure toprovide seamless, secure, and real-time paymentexperiences as global demand rises. However, many stillrely on legacy systems that are fragmented, costly, inflexible,and hard to scale. These issues block innovation and makeintegration with modern solutions more difficult. Maintainingoutdated systems is costly, limiting investment in new services. Moving to centralised, cloud-based payment hubs alsorequires