‘Intelligent money’ is here: 10 findings shaping the future of B2B payments

The biggest change in payments was about making money move faster for many years. The next change could be about changing what money can do. Capgemini’s World Payments Report 2027 takes us to a new phase in the payments industry, where stablecoins, tokenized deposits and central bank digital currencies are beginning to bring payments, settlement, liquidity management and business rules closer together.

The report calls this change “accelerated intelligent money”. However, adoption is still far from widespread. Only a small group of banks have moved beyond experimentation, and businesses are becoming increasingly willing to look beyond traditional banks for payment services.