Kyndryl’s report outlines five key areas driving the evolution of payments: increased regulation of Buy Now Pay Later (BNPL) services, the transformative potential of generative AI, rapid adoption of embedded payments, proactive fraud prevention using AI/ML, and rising focus on ESG imperatives. BNPL is expanding fast but faces growing scrutiny. Generative AI enhances customer service, compliance, and reconciliation. Embedded payments, fueled by IoT and 5G, offer seamless user experiences. AI-driven fraud detection is crucial amid rising cyber threats. Lastly, ESG concerns push organizations to adopt sustainable, inclusive, and transparent payment strategies.

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