That’s a very valid point about the fast pace of change! I was just reading an article that shed some light on the upcoming payments industry trends for 2026. The prediction, per Softjourn is that the payments industry will largely focus on making payments incredibly frictionless for consumers, whether they’re buying things online or in person. This involves a continued expansion of digital wallets and P2P apps leading the way. The report also emphasized how mobile-first transactions and the rapid expansion of instant-payment infrastructure are driving significant growth and changing how people pay. The seamless payment experience for users relies on a complex backend with machine learning algorithms and real-time risk assessments.