The competitive landscape is equally dynamic. Surveys suggest that financial Al-first operating models. Market participants anticipate further redistribution of revenue pools in cross-border payments, with institutions that lag in Al core capability embedded across payment flows, product design and risk Finally, Al's influence is also macroeconomic. Analysis from Citi Banking? projects profitability over the coming years, reinforcing investor conviction that payments data, automation and intelligent agents. by autonomous finance, tokenized money, always-on settlement and Al-