I asked Claude to identify the payment industry trend based on my 18 podcast episode. Here are the 2025 Payment Industry Trends extracted from "支無不言" @PodOur2Cents : --- 2025 Payment Industry Trends 1. Neobank Evolution: From Banking Accounts to Embedded Finance Platforms - Neobanks are transitioning beyond simple bank account offerings to become comprehensive embedded finance platforms - Integration of lending, insurance, wealth management, and B2B services into unified ecosystems - Focus on profitability over growth-at-all-costs, with improved unit economics and sustainable business models - API-first architectures enabling seamless integration with merchants and SaaS platforms 2. Agentic Commerce & AI-Powered Payment Experiences - AI agents reshaping e-commerce and payment flows (EP10 focus) - Autonomous payment execution by AI agents requiring new payment infrastructure - Shift from user-initiated transactions to agent-initiated commerce - Need for agent-friendly payment APIs and authorization protocols 3. MENA & Cross-Border Payment Expansion - Saudi Vision 2030 driving massive payment infrastructure investment - Localization requirements (SADAD payment system, MADA cards) becoming essential - Mobile wallet dominance (STC Pay, urpay, Apple Pay, Saudi Digital Wallet) - Cash-on-delivery (COD) transitioning to digital payments - GCC regulatory harmonization enabling regional payment scalability 4. Stablecoin Payments Adoption...