The Protocol Power Struggle Reshaping AI-Driven Commerce.
Changes in how consumers shop and pay never happen all at once. The transformation doesn’t make a grand entrance. Change happens when the friction that consumers and merchants tolerate becomes harder to live with than the habit of sticking to the old way. That is when...
66% Cross-Border Shift to Digital Payments Pressures Merchants
Merchants chasing global growth are learning that cross-border sales succeed only when payments feel as local as possible. That is the new message emerging from the latest Payments Optimization Tracker, which shows that consumer expectations have shifted faster than...
How AI And BNPL Are Rewriting Holiday Shopping
Christmas 2025 is set to be the most technologically advanced Christmas yetgettyBy the time peak holiday shopping deals land in inboxes this year, a lot of shoppers will already have a digital co-pilot. Some will be asking AI tools to shortlist gifts, while others...
The Creative Destruction/Rebuild of the Payments Business Model
In 1878, Randolph McCoy accused Floyd Hatfield of stealing a pig. The trial ruled in favor of Hatfield. That pig became the spark that ignited one of America’s most infamous feuds. For more than a century, the Hatfields of West Virginia and the McCoys of Kentucky...





