The Visa white paper explores how everyday payments are being redefined by consumer expectations, fintech disruption, and technology. Digital wallets, contactless, A2A transfers, and embedded finance are reshaping user journeys, with 71% of UK consumers expecting one-click payments. Seven themes are driving change: multi-rail ecosystems, flexible issuer platforms, Open Banking with AI, reinvented cross-border, digital identity and crypto, invisible/secure payments, and super apps. Fintechs lead with customer-centric experiences, while incumbents respond with innovations like HSBC’s Global Money Account. Visa sees opportunities in loyalty, UX, revenue growth, and protection from disintermediation.

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