Artificial intelligence has already changed the payments landscape in ways the average consumer and business owner may not notice, but in 2025, the emerging technology might make itself more visible as we pay for goods and services, according to analysts and academics who follow the payments industry. ... Unexpected card declines will also grow less frequent partly due to artificial intelligence, said Bill Maurer, director of the UC Irvine’s Institute for Money, Technology and Financial Inclusion. AI can instantaneously create a risk profile for a customer, based on data that is not typically included in a credit report, such as their spending and payment history, he said. Artificial intelligence can immediately take into account “things like the regularity of bill payment or the regularity of a remittance,” Maurer said. “It can see that every three months I’m sending $100 to my mother in Mexico. That’s not going to show up in a traditional credit report, but something like that can give a bank or credit union a degree of information about my credit risk.”

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