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Innovation and finance have always been interlinked. From the birth of the personalized checkbook to the recent boom of AI and machine learning, finance has always been on the cutting edge of change – and that change is happening faster now more than ever before. Today, financial institutions find themselves at a crossroads of adaptation and transformation, an intersection shaped by the imperatives of technological innovation and the shifting demands of consumers. As the contours of banking continue to evolve, it becomes increasingly evident that the future belongs to those who can seamlessly integrate innovation into their operations while staying true to the core principles of trust and reliability. To prepare for the future of payments, financial leaders should familiarize themselves with emerging trends shaping the trajectory of banking and payments in 2024 and beyond. Here, global payment experts dive into those trends, flagging obstacles to avoid and highlighting areas of opportunity.