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      "text": "Striking the right balance requires solutions that integrate robust controls, together with seamless customer onboarding and transaction experiences, ensuring that journeys are 'compliant by design'.",
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      "text": "Of course, while the theory of effortless digital payments sounds promising, the practice is not quite as simple as 'removing friction'. After all, some 'positive' friction – in the right place, at the right time – is required for robust KYC and AML processes. This is especially important as transaction velocity increases, with real-time payments now a key driver of innovation (according to 31%).",
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      "text": "Invisible payments are a rapidly growing part of everyday life – from ride sharing apps which enable the consumer to simply exit the vehicle and payment is taken care of behind the scenes, to 'just-walk-out' supermarkets.",
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      "text": "It is not just consumer transactions that are becoming seamless, either. Digital payments are increasingly important in the B2B space (for 25% of respondents), driven by trends such as B2B marketplaces as well as e-invoicing. In fact, supplier payments are already being improved with the use of virtual cards through strategic partnerships.",
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      "text": "According to the survey, many FinTechs are aiming to deliver similar in-built payments experiences, with integrated, services emerging as a clear winner (30%) in terms of the way financial technology will be consumed in the future. Effortless payments are also growing in importance across all geographies, up to 20% from 12% in 2021, and, in parallel, interest in AI (22%) and APIs (14%) remains strong.",
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      "text": "Striking the right balance requires solutions that integrate robust controls, together with seamless customer onboarding and transaction experiences, ensuring that journeys are 'compliant by design'. Certain card issuers are taking this approach, by implementing AI-driven fraud detection systems and leveraging big data to simultaneously reduce payment fraud and increase authorisation rates, for example.",
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      "text": "Section 3: Emerging technologies and tools",
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