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Reshaping the Global Payment Landscape: The New Wave of Fintech Driven by Digital Payments, Open Banking, and AI

This article is based on HSBC's Global Payments Trends Report 2026, exploring the profound changes happening in the global payments landscape. With the explosion of digital commerce, the rise of embedded finance, and the accelerated application of AI technology, real-time payments, cross-border payments, and digital identity verification are becoming new strategic focal points. We will analyze the opportunities and challenges these trends bring to banks, payment institutions, and the regulatory environment.

10/27/2026, 21:247 min readJulian Chen

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Reshaping the Global Payment Landscape: The New Wave of Fintech Driven by Digital Payments, Open Banking, and AI

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