In 2026, commerce media will shift toward the core mechanics of shopping, as retailers reorganize, stores become high-impact media showcases, agentic AI opens new monetization, and financial platforms move closer to shoppable environments.

In 2026, a new financial ecosystem will form around five trends—stablecoins, agentic AI, consolidation, financial media networks, and AI search—blurring boundaries between banking, technology, and commerce.

In 2026, stablecoins, agentic commerce, and AI-driven rewards will reshape the payments industry. Providers need to bet early or risk being sidelined by faster, cheaper, and more intuitive payment experiences.

Mobile will account for nearly half of US online sales in 2026 and become the dominant channel in 2027. To make the most of this shift, retailers and brands should enhance integration of their shopping apps and loyalty programs.

Thanks to open banking and real-time payments, pay by bank has become a promising card alternative, offering speed, low costs, and security. But US adoption remains limited. This report dives into what’s holding it back and what can boost growth.

US proximity mobile payment spending is growing faster than its user base as tapping phones to pay becomes an ingrained habit. Leading wallets must now focus on maximizing usage.

Automation, new commerce models, and a fresh generation of consumers are transforming the rules of connection and creativity. Explore the 11 trends shaping the digital future.

OpenAI’s push into commerce took a major step forward with the launch of in-app shopping on ChatGPT, though it will take time to gain traction as a meaningful retail sales channel.

AI is reshaping how payment providers attract, serve, and retain customers. Those who act now to integrate AI across the life cycle—from discovery to checkout to support—will gain an edge, while those who wait risk losing loyalty and control.

As credit card loyalty wanes, staying top-of-wallet is getting harder for issuers. Our fifth annual study dives into which emerging features will help cash-back credit card programs meet customers' growing expectations.

BNPL payment value and user growth will decelerate in the coming years as the industry matures. But BNPL providers still have a big opportunity to grow their share of retail sales.​

Consumers in Japan have been slow to embrace digital technology, but they are gradually warming to it. Recent data shows consumers are changing their online shopping and media consumption behavior.

Real-time payments adoption is still in its infancy in the US. But business and consumer demand are increasing, providing a growth opportunity for banks and customer-facing payment providers.

Recent data on ecommerce in Indonesia highlights evolving patterns in online purchasing behavior, including social commerce.

Our exclusive survey, conducted in partnership with MoEngage, reveals how financial services leaders are turning to data and AI to protect relevance, fuel engagement, and unlock growth.

Our midyear report revisits the top trends we named in early 2025 to see what’s shaping the market, evolving fast, or fading in the rearview mirror.

Payment processing solutions from major US digital commerce platforms are maturing and capturing a greater share of their retail ecommerce sales. Here’s how five platforms are approaching the payment facilitator (payfac) model to catapult their growth.

Ecommerce sales of pet products are expected to rise to nearly $50 billion annually in 2029, as pet owners look for affordable and convenient methods to purchase essentials for their pets.

France’s digital landscape is evolving fast, driven by shifting consumer and media habits and increasing ecommerce adoption. Recent data reveals the trends shaping digital spending, retail sales, and more.

Germany’s digital landscape is evolving fast, driven by shifting consumer behaviors, increasing ecommerce adoption, and changing media habits. Recent data reveals the trends shaping digital spending, retail sales, and more.

As consumers turn to fintechs and payment providers for timely, solution-based support, banks are losing relevance. Staying in the game means shifting from product pushing to customer-led journeys.

Tariff uncertainty, billion-dollar merger and acquisition deals, and a jump in social commerce will create new dynamics in the payments industry in H2 2025. Burgeoning tech like agentic AI and stablecoins will further shake up the space.

Italy’s digital landscape is evolving fast, driven by shifting consumer and media habits and increasing ecommerce adoption. Recent data reveals the trends shaping digital spending, retail sales, and more.

The global payments industry will be a $2.3 trillion revenue opportunity in 2028. But shifting business models, new technologies, and alternative payment methods are changing how key card players compete for a share of this revenue.

India’s commerce landscape is undergoing rapid transformation, fueled by booming ecommerce, rising mobile shopping, and the growing influence of social media.