In today's digital economy,there is high demand for trusted interactions,simplicity and seamlessness.In Mastercard's view,by 2030,consumers will no longer need to use a physical card,punch in a password or one-time code to make a transaction online.This will be due to advances in tokenisation,biometric authentication and digital wallets.Here are 10 trends that executives across the company say could impact payments in 2025 and beyond.

在当今的数字经济中，对可信交互、简单性和无缝性的需求很高。万事达认为，到2030年，消费者将不再需要使用实体卡、输入密码或一次性代码进行在线交易。这将归功于支付标记化、生物识别认证和数字钱包的进步。以下是公司高管表示可能影响2025年及以后支付的10个趋势。

1.AI fraudsters will need to be outsmarted by AI 人工智能欺诈者需要被人工智能打败

Criminals are leveraging generative AI to produce deep-fake videos and personalised phishing messages to steal money or data.However,this weapon must also be used as a tool by those in the financial services industry.Next year,companies will train AI models to predict and neutralise threats in real time.Further,generative AI must be used to scan trillions of data points to predict whether a transaction is likely to be genuine in milliseconds.This has the potential for improving fraud protection rates by as much as 300%.

犯罪分子正在利用生成式人工智能来制作深度伪造视频和个性化网络钓鱼消息，以窃取金钱或数据。然而，这一武器也必须被金融服务业人士用作工具。明年，公司将训练人工智能模型来实时预测和消除威胁。此外，必须使用生成式人工智能扫描数万亿个数据点，以在几毫秒内预测交易是否可能是真实的。这有可能将欺诈防护率提高多达300%。

2.Small businesses will need bigger toolboxes 小企业需要更大的工具箱

It is evident that the businesses that survived during the Covid-19 pandemic were those that embraced electronic payments,e-commerce and other digital touchpoints.Beyond an online presence,small businesses must access digital tools and services previously out of reach.By leveraging centralised platforms tailored to their needs,small businesses will be able to automate administrative tasks and create personalised marketing and loyalty campaigns,with data-driven insights to guide decision-making.

显然，在Covid-19大流行期间幸存下来的企业是那些采用电子支付、电子商务和其他数字接触点的企业。除了在线业务之外，小型企业还必须访问以前无法获得的数字工具和服务。通过利用根据其需求量身定制的集中式平台，小型企业将能够自动执行管理任务并创建个性化的营销和忠诚度活动，并利用数据驱动的见解来指导决策。

3.Digital wallets will be connected to cards 数字钱包将与卡关联

While digital wallets are good alternatives for bank accounts and are providing convenience to unbanked populations,the disconnect in connecting traditional,card-based payments for international consumers will be resolved.In 2025,cardholders will be able to link their credit or debit cards to a local digital wallet,allowing them to shop at merchants without needing to set up or top up a prepaid account.

虽然数字钱包是银行账户的良好替代品，并且为没有银行账户的人群提供了便利，但国际消费者与传统卡式支付之间的脱节问题将得到解决。到2025年，持卡人将能够将其信用卡或借记卡链接到本地数字钱包，从而无需设置或充值预付费账户即可在商家购物。

4.Passkeys will gain momentum 生物识别服务Passkeys将获得不错的发展势头

Trusted identities enable people to interact how,where and when they want,and this is bolstered by biometrics,machine learning and identity insights that are supercharging authentication throughout a customer’s journey.Passkeys,defined by Mastercard as"passwordless authentication most often powered by users’biometrics",will give trusted identities a boost in the new year,fuelling experiences across health care,education and public services,where identity is usually shared.

可信身份使人们能够以自己想要的方式、地点和时间进行交互，而生物识别技术、机器学习和身份洞察则为这一点提供了支持，这些技术在整个客户的旅程中增强了身份验证功能。万事达卡将密码定义为“通常由用户生物识别技术支持的无密码身份验证”，它将在新的一年里增强可信身份，推动医疗保健、教育和公共服务领域的体验，这些领域通常是共享身份的。

5.Businesses will realise the benefits of virtual cards 企业将意识到虚拟卡的好处

Temporary card numbers randomly generated and linked to a funding account that has an established line of credit will be seen more often in the corporate payments world.Virtual cards create automated reconciliation that cuts down on human error and offers companies real-time data insights and more control over spending.By embedding payments in ERP software,businesses will be able to make real-time payments,prevent fraud and manage costs more efficiently.

随机生成并链接到具有既定信用额度的资金账户的临时卡号将在企业支付领域更常见。虚拟卡创建自动对账，减少人为错误，并为公司提供实时数据洞察和对支出的更多控制。通过将支付嵌入ERP软件中，企业将能够进行实时支付、防止欺诈并更有效地管理成本。

6.Contactless payments will increase 非接触式支付将会增加

Contactless payments now account for more than two out of every three in-person purchases on the Mastercard network.Tap on Phone technology,which turns any device into a payment acceptance terminal,is already democratising acceptance for merchants,reducing the need for complex checkout infrastructure and shortening wait times,among other benefits.As physical and digital experiences converge,there will be more applications of tapping tech.

目前，非接触式支付占万事达卡网络上每3笔面对面购物交易中的超过2笔。Tap on Phone技术可将任何设备转变为支付受理终端，它已经使商家的受理变得民主化，减少了对复杂结账基础设施的需求，并缩短了等待时间等好处。随着物理和数字体验的融合，窃听技术将会有更多的应用。

7.Real-time cross-border payments will become more seamless 实时跨境支付将变得更加无缝

While real-time payments are providing greater consumer choice,as countries interlink their domestic schemes,cross-border payments will become more seamless.More interoperability is also expected between real-time payments and other forms of payment,such as CBDCs and digital assets.

虽然实时支付为消费者提供了更多选择，但随着各国国内计划相互关联，跨境支付将变得更加无缝。实时支付与其他形式的支付（例如CBDC和数字资产）之间也有望实现更多的互操作性。

8.Silos will be eradicated 孤岛将被消除（产业生态协作将激发创新）

Partnerships are evolving and will be possible to co-create solutions and accelerate large-scale innovation.Financial institutions,corporations,governments and fintechs are embedding technologies,driving efficiencies,unlocking value and enhancing experiences.This is expected to continue.

合作伙伴关系正在不断发展，将有可能共同创建解决方案并加速大规模创新。金融机构、企业、政府和金融科技公司正在嵌入技术、提高效率、释放价值并增强体验。预计这种情况将持续下去。

9.Blockchain will enhance speed,security and efficiency 区块链将提高速度、安全性和效率

Blockchain and digital assets have proved that the technology has transformative potential to enhance global finance and commerce systems.Cryptocurrencies,stablecoins and tokenised assets have moved from concept to commercialisation and in 2025,blockchain will be leveraged for B2B and commercial payments.

区块链和数字资产已经证明，该技术具有增强全球金融和商业系统的变革潜力。加密货币、稳定币和代币化资产已从概念转向商业化，到2025年，区块链将用于B2B和商业支付。

10.Manual card entry will be elimina 到2030年将不再需要手动输入卡信息

Tokenisation and its potential beyond card payments is substantial.Tokenisation technology can enable consumers to share their shopping habits and preferences with merchants on digital platforms to access more relevant offers and discounts,all without revealing their personal data.

支付标记化及其超越卡支付的潜力是巨大的。支付标记化技术可以使消费者在数字平台上与商家分享他们的购物习惯和偏好，以获得更多相关的优惠和折扣，而无需透露他们的个人数据。