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Global mobile payment: towards 2030

Global mobile payment: towards 2030

At the dawn of the next decade for mobile payment , Peng YANG, CEO of Ant International, shared our vision towards 2030 with Alipay+ partners at the 2026 MoMents Forum.

Over a decade ago, the journey of Ant promoting global mobile payment industry growth began with this foundational belief: payment services should be open for all and without borders to make it easy to do business anywhere. The creation of Alipay+ before Covid was a major milestone for solving global interoperability and building global mobile payment ecosystem together with our invaluable wallet and bank app partners. Because of you, today Alipay+ has grown into a global community, with over 50 mobile payment partners, including 10 national switches, connecting 2 billion user accounts to 150 million merchants. 

As AI, tokenization, new forms of payments and super apps change our industry, it is time for us to look beyond to the next 10 years. At our closed-door MO·MENTS 2026 Forum, Alipay+ re-caps and renews our pledge on the following strategic directions running up to 2030: 

Enlarging multi-layer interoperability

By unifying push and pull models for cross-border wallets, we have brought regional wallet and global card merchant networks together to serve consumers in unprecedented way. Swift and Alipay+’s partnership on bank-to-wallet remittance is fully launched, bridging the gap between mobile and banking ecosystems. Beyond payment interoperability, we call for commercial excellence to drive real usage and raise awareness among both users and merchants. 

Maximizing new form of payments

It is vital for the industry to have access to every cutting-edge form of payment in-person or online. We relentlessly pursue leadership at the forefront of payment innovation: from embedded payments on all possible wearables integrating physical AI, to building the world's first scan-and-tap alliance through NFC innovation that automate the transaction flow with security, reliability and lower costs. 

Shaping global standards for AI Payments

In addition to general AI commerce standards, for instance Google’s Universal Commerce Protocol (UCP), the future rule structure for commerce needs to take in needs of mobile-native users and emerging markets. The newly launched, open-source Alipay+ Agentic Mobile Protocol (AMP) is the first standard of its kind for the global mobile payments industry. It offers pipelines for agentic checkout and nano-payment solutions, for wallets and merchants to transition effortlessly into the agentic economy to benefit 4 billion wallet users.

Supercharging super apps with AI

To support the industry’s transition to agentic wallets, we begin with two main engines: Alipay+ Super App Engine (ASAP 2.0) enables easy integration of AI payment and growth solutions. The GenAI Cockpit offers comprehensive AI-as-a-Service for wallets to go fully agentic across payment, consumer services, finance, customer support, and compliance functions with full autonomy and flexibility.

Strengthening guardrails of trust for agentic economy

Advances in security tech most outpace new threats in the AI age. With experience in our EasySafePay 2.0 funds guarantee program, AgentSafePay begins to provide full user protection for agentic payments without merchant chargeback risks. Our Agent Security Docker and Know-Your-Agent tools are rolling out to strengthen foundations for all AI transactions.

10 years after our first glocal wallet partnerships were formed, Alipay+ identifies our new vision for the next decade: 

  • ·  We believe payments and remittance should be smart while connected across borders or boundaries;
  • ·  We believe remittance should be without frictions and free from high cost;
  • ·  We believe mobile platforms should lead in delivering limitless state-of-art digital services to the greatest number of consumers; and
  • ·  We believe there is no ceiling to the quality or depth of AI innovation benefiting all individuals and businesses. 

This vision can only be realized with your trust and partnership. Thank you, dear partners! More exciting projects are ahead for us, for instance, collaboration on supporting Islamic development with inclusive finance. We look forward to seeing you at the upcoming Global Islamic fintech event co-hosted by Central Bank of Uzbekistan, GFTN and Ant International. 

Once again, let us rise up to this moment! Together, we will continue to make technology the engine that makes it easy to do business anywhere, and brings small and beautiful changes to the world.