Adoption of artificial intelligence (AI)-driven payments worldwide 2024, by age group

Artificial intelligence to help enhance payments was significantly more an option for younger respondents than it was for their older counterparts in 2024. This is according to a survey held in 14 different countries across North America, Europe, and Latin America. The source observed in 2023 already that most respondents - regardless of age - were not yet comfortable with the idea of AI in digital payments. This revealed itself, especially, in the reply from 10 percent of the respondents that they would perhaps use artificial intelligence in two years' time when it had become more established. In 2024, the source did not ask how many people actively used AI during their payments journey.Examples of AI in day-to-day digital payments for consumersThe source lists three specific use cases of artificial intelligence in consumer-driven payments: Smart wallets, AI-powered checkouts, and chatbots. One example includes Amazon's Just Walk Out (JWO) in its Amazon Go shops in the United States. The technology uses machine learning to identify what customers picked off the shelves and then bill them automatically. This solution aims at the innovation consumers hope to see most in shopping, especially online: A seamless payments experience. Payment providers had a similar impression, in that they observed a demand among their clients for real-time payments. More so than for lower payment processing costs or cross-border payment solutions. The source adds certain payment solutions might already be using AI in the background, but that consumers are simply not aware of them.AI pros and cons for financial servicesThe finance industry is expected to make heavy use of artificial intelligence's capabilities for years to come. AI's ability to monitor trends and improve data analytics, especially, is popular among financial service providers. Another popular use is that AI can help process large quantities of data. This is especially useful for larger investment-style banks. There are concerns, though. Data issues and growing concerns about keeping talent on board to help out with issues or data sciences ranked as the top AI concerns in 2024.

在2024年，对于年轻受访者而言，借助人工智能技术提升支付体验的选项相较于年长一代受访者而言更为显著。这一结论源于在北美、欧洲和拉丁美洲14个国家进行的一项调查。调查来源在2023年就已观察到，尽管受访者的年龄各异，但大多数人尚未对人工智能在数字支付领域的应用感到舒适。尤其在10%的受访者中，他们表示或许在两年后，当人工智能技术更为成熟时才会考虑使用。2024年，调查并未询问有多少人在支付过程中积极使用人工智能。以下是人工智能在日常消费者数字支付中的应用实例：调查列举了三种人工智能在消费者驱动型支付中的特定应用场景：智能钱包、人工智能驱动型结账以及聊天机器人。其中一例包括亚马逊在美国的Amazon Go商店中推出的“即走即付”（Just Walk Out，JWO）技术。该技术利用机器学习识别顾客从货架上取下的商品，并自动进行账单结算。该解决方案旨在满足消费者对购物，尤其是线上购物中无缝支付体验的期望。支付服务提供商也持有相似的观点，他们观察到客户对实时支付的需求日益增长，这超过了降低支付处理成本或跨境支付解决方案的需求。调查来源补充指出，某些支付解决方案可能已经在后台使用人工智能，但消费者对此并不知情。在金融服务领域，人工智能的利弊分析：预计金融行业在未来数年内将大量运用人工智能的强大功能。尤其是人工智能在监测趋势和提升数据分析能力方面的应用，在金融服务提供商中颇受欢迎。另一个流行的应用是人工智能能够帮助处理大量数据，这对于大型投资型银行尤其有用。然而，也存在一些担忧。数据问题以及对留住人才以协助处理数据科学问题的日益增长的关注，被视为2024年人工智能领域的主要担忧。