Visa’s Commerce of Tomorrow, Today report outlines transformative shifts in global commerce driven by AI, trust, and personalization. Key trends include the rise of AI assistants reshaping how people budget and transact, trust networks securing digital identities, and a shift toward “agentic finance,” where success depends on human-AI collaboration. Real-time payments, embedded finance, and biometric security are poised to redefine transactions. As AI fraud and regulation challenges rise, trust-building and equitable access become crucial. The report urges proactive planning to ensure tech-driven commerce remains secure, inclusive, and efficient.

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