连连数字与亿邦智库联合发布报告：AI重构跨境支付范式，智能体支付成新焦点

作者：龚作仁文章来源：Laborer

2026-09-24 11:13

作者：龚作仁文章来源：Laborer

2026-09-24 11:13

邦小白快读

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总：跨境支付进入AI重构期，普通用户和企业都值得关注这些关键数据和实用选择标准。

1. 市场机会：全球电商支付规模将由2025年7.6万亿美元增至2030年11万亿美元，年复合增长率7.5%，跨境支付基建重要性提升。

2. 选支付工具的实操标准：企业选择时最看重平台覆盖度（72.1%）、到账时效（67.9%）、产品完备度（66.5%）；同时要关注数智技术与安全风控（58%）、价格、品牌信誉、系统稳定（55%）以及金融牌照（42.8%），可按这些维度比较。

3. 未来功能预期：80.7%企业期待智能对账，77.1%期待经营数据分析，72.7%期待ERP对接，未来支付工具将从帮我分析走向帮我完成交易。

4. 避坑提示：汇率波动困扰84.7%企业、合规成本高困扰79.1%，选择有牌照且网络广的服务商更安全。头部服务商连连数字拥有68项支付牌照，支持140余种货币，覆盖200多国家和地区。

总：品牌商进行海外渠道建设和消费趋势判断，可从报告中抓住四个要点。

1. 消费趋势：全球电商支付规模扩大意味着海外线上消费持续增长，品牌布局跨境电商仍有增量空间；企业支付需求正在升级，未来智能体支付将改变交易方式。

2. 渠道建设：选择跨境支付服务商时，平台覆盖度（72.1%）成为第一决策因素，说明品牌商要在多个海外平台铺货，就需要服务商覆盖目标市场；到账时效（67.9%）和产品完备度（66.5%）也是关键，影响资金周转和订单处理效率。

3. 用户行为观察：企业（品牌商作为支付用户）已不再只看收付效率，而是兼顾风控与合规，汇率波动（84.7%）和合规成本（79.1%）是最大痛点，应选择有金融牌照、全球网络广的支付伙伴，如连连数字支持140余种货币、覆盖200多个国家地区。

4. AI与生态合作：连连数字联合Visa、银联国际推进B2B智能体商务、全球采购智能体支付，品牌商可提前关注此类合作带来的采购自动化和对账智能化机会。

总：对卖家来说，报告提供了增长市场、风险提示和可落地的工具选择思路。

1. 增长市场：全球电商支付规模2025年7.6万亿美元、2030年11万亿美元，年复合增长7.5%，跨境交易扩大意味着卖家有更多海外市场机会。

2. 风险提示：汇率波动困扰84.7%企业、合规成本高79.1%、资金效率低78.3%，卖家需重点关注结算币种、牌照合规和资金周转速度；系统集成弱（69.5%）和多币种管理复杂（65.3%）也是常见运营负担。

3. 机会与方法：AI智能体支付是下一范式，卖家可优先选择支持智能对账（80.7%企业期待）、经营数据分析（77.1%）和ERP对接（72.7%）的支付工具，降低财务人力成本。

4. 合作与学习点：头部服务商连连数字拥有68项支付牌照、覆盖200多个国家和地区，支持140余种货币，可作为跨境收款合作方；其连连智枢平台接入300+主流模型，企业可按需调用AI能力，值得卖家在资金和运营场景中学习应用。

总：工厂在推进数字化和跨境电商时，可从报告中获得四条启示。

1. 数字化关键环节：支付不是末端，而是贯穿交易、资金与全球市场的基础设施。84.7%企业受汇率波动困扰、78.3%资金效率低，工厂可通过数字化支付工具减少汇率损失、加速资金周转。

2. 生产与业务打通：72.7%企业期待ERP对接，智能对账需求达80.7%，说明工厂可借助支付服务实现财务系统与生产、供应链数据打通，降低对账和库存资金占用；多币种管理复杂（65.3%）提示外贸工厂应选择多币种结算能力强的服务商。

3. 电商化商业机会：全球电商支付规模将达11万亿美元，工厂可拓展海外线上订单渠道，选用覆盖目标市场、支持140余种货币、牌照齐全的支付服务商，降低合规风险。

4. AI低成本应用：连连数字的连连智枢平台把300+主流模型统一接入，配合调度算法实现成本、速度、质量最优匹配，工厂可以更低门槛调用AI用于营销、客服、订单管理等场景，逐步迈向AI原生运营。

总：服务商可以从报告中看到跨境支付服务赛道的机会、客户痛点与新方案。

1. 行业趋势：跨境支付正从交易末端升级为贯穿身份认证、授权、风控、交易、结算的全流程基础设施；AI从回答问题走向参与交易，智能体支付成为下一范式。

2. 客户痛点：汇率波动（84.7%）、合规成本高（79.1%）、资金效率低（78.3%）位列前三，系统集成弱和多币种管理复杂也超过65%，这些都是可切入的服务方向。

3. 竞争方向：企业选择服务商最看重平台覆盖度（72.1%）、到账时效（67.9%）和产品完备度（66.5%），服务商应围绕五维竞争力模型——核心产品力、合规支撑力、数智驱动力、品牌服务力、生态协同力——补齐能力。

4. 新技术与方案：全链路Agent化技术体系、智能对账（80.7%期待）、经营数据分析（77.1%）和ERP对接（72.7%）是产品研发重点；连连数字通过连连智枢统一接入300+主流模型并以调度算法优化成本和质量，值得作为方案参考。

总：平台商应关注企业用户对平台的真实需求、头部平台的新做法和潜在风险。

1. 用户需求：企业选择支付平台时最看重平台覆盖度（72.1%）、到账时效（67.9%）、产品完备度（66.5%），同时注重数智技术与安全风控（58%）、系统稳定（55%）和金融牌照（42.8%），平台商应以此安排运营管理优先级。

2. 平台最新做法：连连数字实施“AI Native+全球化”战略，推出企业级AI算力平台连连智枢，统一接入300+主流模型，让企业运营AI；并与Visa、银联国际合作B2B智能体商务和全球采购智能体支付，平台商可借鉴这类AI生态整合。

3. 运营管理：构建自主可控的全链路Agent化技术体系，把AI嵌入支付、合规、资金管理及企业服务；同时用五维竞争力模型衡量自身，把能力转化为客户、数据和信任资产。

4. 风险规避：跨境支付持牌经营是硬门槛，连连数字拥有68项支付牌照及香港VATP牌照；行业高度集中，前五大服务商合计占比92.4%，新平台需寻找差异化场景，避免同质化竞争。

总：报告呈现了跨境支付产业的新动向、待解问题与商业模式演化的关键样本。

1. 产业新动向：AI重构跨境支付范式，智能体支付成为下一个焦点；支付服务将从交易末端升级为贯穿认证、授权、风控、交易、结算的全流程基础设施。

2. 新问题：企业支付痛点集中在汇率波动（84.7%）、合规成本（79.1%）和资金效率（78.3%）；市场集中度较高，前五大支付服务机构合计占92.4%，连连数字以33.1%居首，需关注市场依赖与竞争格局。

3. 商业模式：报告构建了五维竞争力模型，即核心产品力、合规支撑力、数智驱动力、品牌服务力、生态协同力；标杆企业连连数字采用“AI Native+全球化”战略，从跨境支付专家转向AI原生的全球智能金融新基建，并提出把五维能力转化为客户、数据和信任资产。

4. 政策与启示：金融牌照（42.8%企业关注）和合规支撑力显示牌照与监管是全球化服务准入门槛；企业需求正从帮我分析走向帮我完成交易，智能对账（80.7%）和ERP对接（72.7%）需求旺盛，政策与基础设施需引导跨境支付互联互通和可信交易流程建设。

声明：快读内容全程由AI生成，请注意甄别信息。如您发现问题，请发送邮件至 run@ebrun.com 。

我是品牌商卖家工厂服务商平台商研究者帮我再读一遍。

Quick Summary

Overall: Cross-border payments are entering an AI-driven transformation era, and both individual users and enterprises should pay attention to key data and practical selection criteria.

1. Market opportunity: Global e-commerce payment volume is projected to grow from $7.6 trillion in 2025 to $11 trillion by 2030, a CAGR of 7.5%, highlighting the growing importance of cross-border payment infrastructure.

2. Practical criteria for choosing payment tools: When selecting providers, enterprises prioritize platform coverage (72.1%), settlement speed (67.9%), and product completeness (66.5%); they also consider digital intelligence and security risk controls (58%), price, brand reputation, system stability (55%), and financial licenses (42.8%). These dimensions can be used for comparison.

3. Future feature expectations: 80.7% of enterprises expect intelligent reconciliation, 77.1% expect business data analytics, and 72.7% expect ERP integration. The future payment tool will shift from "help me analyze" to "help me complete transactions."

4. Pitfalls to avoid: 84.7% of enterprises are troubled by exchange rate fluctuations, and 79.1% face high compliance costs. Choosing a licensed provider with extensive network coverage is safer. Leading provider LianLian Global holds 68 payment licenses, supports over 140 currencies, and covers more than 200 countries and regions.

Overall: For brands expanding overseas channels and assessing consumption trends, the report highlights four key takeaways.

1. Consumption trends: The expansion of global e-commerce payment volume indicates continued growth in overseas online spending, leaving room for brands to expand cross-border e-commerce. Enterprise payment demands are upgrading, and future agent-driven payments will transform transaction methods.

2. Channel building: Platform coverage (72.1%) is the top decision factor when choosing a cross-border payment provider, meaning brands need providers that cover target markets to list on multiple overseas platforms. Settlement speed (67.9%) and product completeness (66.5%) are also critical, affecting capital turnover and order processing efficiency.

3. User behavior insights: Enterprises (brands as payment users) now look beyond mere payment efficiency to risk control and compliance. Exchange rate fluctuations (84.7%) and compliance costs (79.1%) are the biggest pain points. Brands should choose payment partners with financial licenses and wide global networks, such as LianLian Global, which supports over 140 currencies and covers more than 200 countries and regions.

4. AI and ecosystem collaboration: LianLian Global is advancing B2B agent commerce and global procurement agent payments with Visa and UnionPay International. Brands should monitor such collaborations for opportunities in procurement automation and intelligent reconciliation.

Overall: For sellers, the report offers growth markets, risk alerts, and actionable tool-selection approaches.

1. Growth markets: Global e-commerce payment volume will rise from $7.6 trillion in 2025 to $11 trillion in 2030, at a CAGR of 7.5%. Expanding cross-border transactions mean more overseas market opportunities for sellers.

2. Risk alerts: Exchange rate fluctuations (84.7%), high compliance costs (79.1%), and low capital efficiency (78.3%) are top concerns. Sellers should focus on settlement currencies, license compliance, and capital turnover speed. Weak system integration (69.5%) and complex multi-currency management (65.3%) are also common operational burdens.

3. Opportunities and approaches: AI agent payment is the next paradigm. Sellers can prioritize payment tools that support intelligent reconciliation (expected by 80.7% of enterprises), business data analytics (77.1%), and ERP integration (72.7%), reducing financial labor costs.

4. Cooperation and learning points: Leading provider LianLian Global holds 68 payment licenses, covers over 200 countries and regions, and supports 140+ currencies, making it a viable cross-border collection partner. Its LianLian Zhishu platform integrates 300+ mainstream models, allowing enterprises to call AI capabilities on demand—an example sellers can apply in capital and operational scenarios.

Overall: Factories advancing digitalization and cross-border e-commerce can draw four insights from the report.

1. Key digital link: Payment is not an endpoint but infrastructure spanning transactions, capital, and global markets. With 84.7% of enterprises troubled by exchange rate fluctuations and 78.3% facing low capital efficiency, factories can use digital payment tools to reduce exchange losses and accelerate capital turnover.

2. Connecting production with business: 72.7% of enterprises expect ERP integration, and demand for intelligent reconciliation reaches 80.7%. This suggests factories can use payment services to link financial systems with production and supply chain data, reducing reconciliation burdens and inventory capital occupation. Complex multi-currency management (65.3%) indicates that foreign-trade factories should choose providers with strong multi-currency settlement capabilities.

3. E-commerce business opportunity: Global e-commerce payment volume will reach $11 trillion. Factories can expand overseas online order channels by selecting payment providers that cover target markets, support 140+ currencies, and hold complete licenses, reducing compliance risks.

4. Low-cost AI adoption: LianLian Digital's Zhishu platform uniformly integrates 300+ mainstream models, using scheduling algorithms to optimize cost, speed, and quality. Factories can use AI with a lower barrier for marketing, customer service, order management, and other scenarios, gradually moving toward AI-native operations.

Overall: Service providers can identify opportunities, customer pain points, and new solutions in the cross-border payment service track from this report.

1. Industry trend: Cross-border payment is upgrading from a transaction endpoint to full-process infrastructure spanning identity verification, authorization, risk control, transaction, and settlement. AI is moving from answering questions to participating in transactions, making agent payment the next paradigm.

2. Customer pain points: Exchange rate fluctuations (84.7%), high compliance costs (79.1%), and low capital efficiency (78.3%) top the list; weak system integration and complex multi-currency management both exceed 65%. These represent actionable service directions.

3. Competitive direction: Enterprises prioritize platform coverage (72.1%), settlement speed (67.9%), and product completeness (66.5%). Service providers should strengthen capabilities around the five-dimensional competitiveness model: core product strength, compliance support, digital intelligence driver, brand service, and ecosystem collaboration.

4. New technologies and solutions: A full-chain Agent-based technical system, intelligent reconciliation (expected by 80.7%), business data analytics (77.1%), and ERP integration (72.7%) are R&D priorities. LianLian Digital integrates 300+ mainstream models through its Zhishu platform and uses scheduling algorithms to optimize cost and quality—a reference solution.

Overall: Platform operators should focus on real enterprise user needs, leading platforms' latest practices, and potential risks.

1. User demands: When choosing a payment platform, enterprises value platform coverage (72.1%), settlement speed (67.9%), and product completeness (66.5%), while also emphasizing digital intelligence and security risk controls (58%), system stability (55%), and financial licenses (42.8%). Platform operators should prioritize operations and management accordingly.

2. Latest platform practices: LianLian Digital implements an "AI Native + Globalization" strategy, launching the enterprise-level AI computing platform Zhishu, which integrates 300+ mainstream models to enable enterprise AI operations. It also collaborates with Visa and UnionPay International on B2B agent commerce and global procurement agent payments. Platform operators can learn from this AI ecosystem integration.

3. Operations and management: Build an autonomous, controllable, full-chain Agent-based technical system, embedding AI into payment, compliance, capital management, and enterprise services. Meanwhile, use the five-dimensional competitiveness model to self-assess and convert capabilities into customer, data, and trust assets.

4. Risk mitigation: Holding a license is a hard entry barrier in cross-border payment. LianLian Digital holds 68 payment licenses and a Hong Kong VATP license. The industry is highly concentrated, with the top five providers accounting for 92.4% of market share. New platforms must seek differentiated scenarios to avoid homogeneous competition.

Overall: The report reveals new dynamics, unresolved issues, and key samples of business model evolution in the cross-border payment industry.

1. New industry dynamics: AI is reshaping the cross-border payment paradigm, with agent payment becoming the next focal point. Payment services will upgrade from transaction endpoints to full-process infrastructure covering authentication, authorization, risk control, transaction, and settlement.

2. Emerging issues: Enterprise payment pain points concentrate on exchange rate fluctuations (84.7%), compliance costs (79.1%), and capital efficiency (78.3%). Market concentration is high, with the top five payment service providers accounting for 92.4%, and LianLian Digital leading at 33.1%. Attention should be paid to market dependence and competitive structure.

3. Business model: The report constructs a five-dimensional competitiveness model—core product strength, compliance support, digital intelligence driver, brand service, and ecosystem collaboration. Benchmark company LianLian Digital adopts an "AI Native + Globalization" strategy, transforming from a cross-border payment specialist into an AI-native global smart financial infrastructure, and proposes converting five-dimensional capabilities into customer, data, and trust assets.

4. Policy and implications: Financial licenses (noted by 42.8% of enterprises) and compliance support indicate that licensing and regulation are entry barriers for global services. Enterprise demand is shifting from "help me analyze" to "help me complete transactions," with strong demand for intelligent reconciliation (80.7%) and ERP integration (72.7%). Policy and infrastructure should guide cross-border payment interoperability and the construction of trusted transaction processes.

Disclaimer: The "Quick Summary" content is entirely generated by AI. Please exercise discretion when interpreting the information. For issues or corrections, please email run@ebrun.com .

I am a Brand Seller Factory Service Provider Marketplace Seller Researcher Read it again.

2026年9月23日，第五届全球数字贸易博览会现场，连连数字联合亿邦智库发布《全球跨境企业支付服务竞争力报告》（以下简称《报告》），系统勾勒全球跨境支付的市场格局、企业需求与服务商竞争力坐标。亿邦智库首席分析师樊飞解读《报告》时表示，未来，谁能够真正具备深度AI能力，谁就能在智能增长的新周期中获得更大的主动权。

调研结果显示，受访企业第三方支付工具选择集中度较高，前五大主流支付服务机构合计占比达92.4%。其中，连连数字以33.1%位居第一，成为受访企业最常使用的第三方支付工具。就连连通过AI能力服务跨境企业的落地实践，连连数字技术副总裁章德旺在会上进行了分享。

前五大主流支付服务商合计占比92.4%，连连数字居首

全球跨境支付正迈入价值重构阶段。《报告》显示，全球电商支付规模由2025年的7.6万亿美元增至2030年的11万亿美元，年复合增长率为7.5%。随着全球电商交易规模持续扩大，支付基础设施在连接交易、资金与全球市场中的重要性持续提升。

市场增长背后，跨境企业在支付环节的痛点较为集中。《报告》显示，84.7%企业受汇率波动困扰，79.1%认为合规成本偏高，78.3%反映资金效率偏低。此外，系统集成弱（69.5%）、多币种管理复杂（65.3%）同样构成现实负担。

痛点之下，企业选择支付服务商的标准也发生变化。《报告》显示，排在前三位的影响因素分别是平台覆盖度（72.1%）、到账时效（67.9%）、产品完备度（66.5%），其他影响因素还包括数智技术与安全风控（58%）、价格因素、品牌信誉、系统稳定（55%），金融牌照（42.8%），客户响应（34.7%）。这表明企业已不再只看重收付效率，而是兼顾效率提升与风险控制。

从市场格局看，第三方支付工具集中度较高。《报告》显示，前五大主流支付服务机构合计占比达92.4%。其中，连连数字以33.1%的占比位列受访企业最常使用的第三方支付工具首位。

基于企业决策因素、实际支付需求与行业实践，《报告》构建了“五维竞争力”模型。其中，核心产品力是服务价值交付基础，决定服务能力深度；合规支撑力是全球化服务准入门槛，保障业务稳定与可持续；数智驱动力提升服务效率与精准度，形成技术壁垒与竞争优势；品牌服务力加强品牌心智与客户黏性；生态协同力拓展服务边界，联动资源创新。

樊飞认为，未来具备竞争力的支付服务商需要在两个方面重点加强。一方面，持续将五维能力转化为客户、数据和信任三类资产, 另一方面，在智能体经济（Agentic Economy）兴起的当下，支付服务商必须提前构建适配整个智能体经济乃至AI时代的支付与信任基础设施。换言之，谁能够真正具备深度AI能力，谁就能在智能增长的新周期中获得更大的主动权。

AI重构支付范式，连连数字以"AINative+全球化"构建金融新基建

数智驱动力正重塑支付的服务边界。《报告》指出，当AI从"回答问题"走向"参与交易"，支付将从业务流程末端升级为贯穿身份认证、授权、风控、交易、结算的全流程基础设施，Agentic Payment（智能体支付）正在成为行业下一个范式。

调研显示，80.7%的受访企业期待智能对账，77.1%期待经营数据分析，72.7%期待ERP对接；未来12至24个月，企业支付需求有望从"帮我分析"走向"帮我完成交易"。

在此趋势下，连连数字基于“AI Native+全球化”战略布局，正在从“跨境支付专家”迈向“AI原生的全球智能金融新基建”。目前，公司拥有68项支付牌照及香港VATP牌照，支持140余种货币交易结算，业务覆盖200多个国家和地区，累计服务客户超过1330万。

面向智能体时代，连连数字构建起自主可控的全链路Agent化技术体系，将AI深度嵌入支付、合规、资金管理及企业服务等核心环节。连连数字技术副总裁章德旺表示，今年我们发布了企业级AI算力基础设施平台“连连智枢”，希望借助这一产品，让企业使用AI实现更智能、更便宜、更可控，这也企业是形成可持续商业化能力的基础。因此，“连连智枢”的目标并非单纯接入一个AI模型，而是成为一个平台，使企业能够运营AI。

据介绍，“连连智枢”平台通过统一接口，将300+主流模型变为可按需调用的算力资源，并结合自研调度算法，实现成本、速度与质量的最优匹配。此外，连连数字已与Visa、银联国际等生态伙伴围绕B2B智能体商务、全球采购智能体支付等场景开展合作。

《报告》认为，随着智能体逐步参与企业经营和商业交易，支付机构需要将既有的全球网络、合规与数智能力，转化为对新场景的支撑。能否通过Agentic Payment连接业务执行与资金结算，建立可信、可控的交易流程，将成为下一阶段值得关注的竞争方向。

注：文/龚作仁，文章来源：Laborer，本文为作者独立观点，不代表亿邦动力立场。

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FAQ回顾

什么是智能体支付（Agentic Payment）？

智能体支付是AI从“回答问题”走向“参与交易”后形成的支付新范式。支付从业务流程末端升级为贯穿身份认证、授权、风控、交易、结算的全流程基础设施。报告指出，Agentic Payment（智能体支付）正成为行业下一个范式，未来企业支付需求有望从“帮我分析”走向“帮我完成交易”。

跨境企业在支付环节常遇到哪些痛点？

《全球跨境企业支付服务竞争力报告》显示，84.7%的受访企业受汇率波动困扰，79.1%认为合规成本偏高，78.3%反映资金效率偏低，69.5%面临系统集成弱的问题，65.3%认为多币种管理复杂。这些痛点集中在汇率、合规、资金效率和系统集成等方面。

企业选择跨境支付服务商时最看重哪些能力？

报告显示，企业选择跨境支付服务商的前三大因素是平台覆盖度（72.1%）、到账时效（67.9%）和产品完备度（66.5%）；数智技术与安全风控占比58%，价格、品牌信誉、系统稳定占比55%，金融牌照占42.8%，客户响应占34.7%。企业不再只看重收付效率，而是兼顾效率提升与风险控制。

连连数字在跨境支付市场中的地位如何？

报告显示，前五大主流第三方支付服务机构合计占比92.4%，连连数字以33.1%的占比位列受访企业最常使用的第三方支付工具首位。连连数字拥有68项支付牌照及香港VATP牌照，支持140余种货币交易结算，业务覆盖200多个国家和地区，累计服务客户超过1330万。

连连智枢平台是什么？

连连智枢是连连数字发布的企业级AI算力基础设施平台。它通过统一接口将300款主流模型变为可按需调用的算力资源，并结合自研调度算法，实现成本、速度与质量的最优匹配。目标不是单纯接入AI模型，而是让企业能够运营AI，实现更智能、更便宜、更可控的AI应用。

标签:: 业界支付连连数字金融跨境支付 Visa

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