Practical guidesfor the future of payments

Ask a payments leader whether their company uses AI, and the answer is almost certainly yes. Ask whether it has changed the P&L, and the conversation becomes far more complicated. The numbers reflect that tension. In McKinsey’s 2026 State of AI survey, nearly 90% of respondents report using AI regularly, yet only 37% attribute any EBIT impact to it. Adoption is no longer the challenge. Results are.