Core Viewpoint - The article discusses the anticipated mainstream adoption of AI-assisted shopping by 2026, with a significant shift expected in consumer behavior towards interactive shopping experiences facilitated by AI platforms like ChatGPT [3][5]. Group 1: AI-Assisted Shopping - AI-assisted shopping is expected to transition from a niche experience to a common practice among consumers by 2026, with AI assistants playing a crucial role in shopping decisions [5][6]. - The evolution from "AI-assisted decision-making" to "agentic commerce," where AI robots handle payments and purchases autonomously, will take more time due to consumer reluctance to relinquish control over final transactions [6]. Group 2: Global Payment Giants - Global payment companies are rapidly positioning themselves to capitalize on the shift towards AI-assisted shopping, aiming to secure their place as consumers increasingly engage with chatbots [8]. - Visa is actively communicating with all major industry players, while Mastercard has partnered with Microsoft, and PayPal has signed an agreement with OpenAI to integrate its digital wallet into OpenAI's chatbot [8].

Core Insights - Visa is highlighted as a potentially attractive investment option despite its relatively low dividend yield [1] - The company is recognized as one of the most profitable globally, particularly noted for its high operating profit margin [1] Company Analysis - Visa's stock price was referenced as of the afternoon of December 10, 2025, indicating a specific timeframe for the analysis [1] - The video discussing Visa was published on December 12, 2025, providing context for the timing of the insights [1]

因此，代理式商务的落地将呈现分层渗透的特征：洗衣液、咖啡伴侣等标准化、高频次的日常必需品订 单，预计将率先突破信任壁垒，由AI代理自动完成。 全球支付巨头加速卡位 面对这一即将到来的范式转移，全球支付巨头正加速卡位，试图在消费者转向聊天机器人这一新流量入 口时占据身位。 Jenkyn透露，Visa目前正与行业内所有主要参与者进行沟通。与此同时，Mastercard今年早些时候已宣 布与微软达成合作；PayPal则在今年10月与OpenAI签署协议，计划将其数字钱包直接嵌入OpenAI的聊 天机器人中。 Visa全球市场集团总裁Oliver Jenkyn预计，随着支付巨头与人工智能企业的合作加速，2026年"AI辅助 购物"全面进入主流视野。 "AI辅助购物"进入大众日常 据彭博社周六报道，Jenkyn指出，虽然基于聊天机器人的购物功能已于2025年推向市场，但真正的拐点 将在明年出现。届时，消费者在ChatGPT等生成式AI平台中进行交互式购物将不再是极客的尝鲜，而是 大众的日常。Jenkyn表示： "到了2026年，AI支持的购物方式将全面普及。无论是在ChatGPT还是其他平台，智能助手 将深度介入并协助 ...

The collar is the most straightforward strategy. It involves selling an ITM (in-the-money) call for premium income and buying an OTM put (out-of-the-money) put for downside protection on a stock you already own, in this case, Visa.While you could buy long calls or puts, or sell short calls or puts, and call it a day, I’m looking to consider more exotic possibilities to profit from Visa stock. Here are my three ideas.None of the four would be considered massive volumes, but they do fit the description of unu ...

Visa (V) shares rallied 6.1% in the last trading session to close at $345.63. This move can be attributable to notable volume with a higher number of shares being traded than in a typical session. This compares to the stock's 3.9% loss over the past four weeks.Shares of Visa climbed yesterday after Bank of America upgraded the stock and pushed back on concerns that stablecoins pose a threat. Instead, they view stablecoins as a long-term catalyst as Visa continues integrating rails to accelerate global payou ...

Key insights: Pushback on fees, BNPL and new technology are shifting how consumers shop and make payments. What's at stake: Swipe fees for credit cards and debit cards totaled $187.2 billion in 2024, up from $172 billion in 2023. Forward look: Agentic commerce and crypto will also draw consumers to new payment options in the new year. Consumer payment trends such as pushback on interchange fees, the rise of buy now/pay later, crypto payments and agentic commerce are set to shape payments in 2026. Th ...

Core Viewpoint - Visa Inc. is considered one of the best companies for investors to include in their portfolios due to its high-quality operations [1] Company Analysis - Visa Inc. is recognized for its strong market position and quality, making it a favorable choice for long-term investment [1] Investment Strategy - The focus is on dividend investing in quality blue-chip stocks, with an emphasis on building investment portfolios that can provide financial independence [2]

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The report highlights the increasing adoption of stablecoins in cross-border payments, driven by regulatory frameworks in developed economies and the active involvement of global payment and fintech companies [3] - Stablecoins are expected to innovate the cross-border payment ecosystem through blockchain technology, creating a new payment paradigm that encompasses multiple currencies, regions, and scenarios [3] Summary by Sections Traditional Non-Bank Financial Institutions' Multi-Dimensional Layout - Traditional remittance institutions are integrating stablecoins into their business models, enhancing cross-border payment systems through various methods such as self-built applications and open APIs [5] - Major remittance companies like MoneyGram and Western Union are launching stablecoin projects, with MoneyGram introducing a stablecoin mobile app in Colombia and Western Union exploring its own USD stablecoin [5][6] International Card Organizations' Stablecoin Strategies - Visa and Mastercard have significantly increased their investments in stablecoin cross-border payment services since 2025, focusing on integrating blockchain technology with real-world payment systems [6][12] - Visa aims to create a stablecoin-based ecosystem, enhancing its payment network and introducing a programmable digital currency platform for financial institutions [7][11] - Mastercard is developing a distributed network for stablecoin transactions and has launched various initiatives to integrate stablecoins into its payment ecosystem [12][15] SWIFT's Strategy and Initiatives - SWIFT is building a blockchain-based shared ledger to support stablecoin and tokenized asset transactions, aiming to maintain its central role in cross-border settlements [16][17] Third-Party Internet Payment Platforms - Third-party internet payment platforms are rapidly developing stablecoin capabilities, with companies like PayPal and Worldpay enhancing their services to include stablecoin payments [19][20] - PayPal plans to expand its stablecoin, PYUSD, to over 20 million small and medium-sized merchants, significantly reducing cross-border payment costs [20] Native Blockchain Companies - Native blockchain companies are pushing for the practical application of stablecoins in cross-border payments, with Ripple and Paxos leading initiatives to integrate stablecoins into traditional financial systems [22][26] Growth of Stablecoin Transactions - The total transaction volume of stablecoins is rapidly increasing, with an estimated $5.7 trillion in transactions in 2024, primarily serving as a payment tool within the cryptocurrency ecosystem [27] - B2B cross-border payments represent a significant opportunity for stablecoins, with potential market sizes reaching $18.8 trillion in non-G10 markets [29]

Core Insights - The 2025 investment picks have significantly outperformed the market, indicating strong potential for future growth [1] Company Highlights - Amazon is highlighted as a key investment choice for the upcoming year, suggesting confidence in its continued market dominance and growth prospects [1] - Visa is also mentioned as a top pick, reflecting optimism about its performance in the financial services sector [1]

美银证券将Visa的评级"中性"上调至"买入"，目标价上调至382美元。美银认为，市场对稳定币冲击以 及监管风险的担忧过度放大，实际上稳定币有可能强化Visa的地位，尤其是在跨境B2B支付领域。Visa 迄今已促成逾1400亿美元的加密货币相关交易，美银称这是公司布局新支付基础设施的成果。Visa目前 远期本益比约为22倍，相当于标普500估值的约113%，接近十年低点，美银形容"市场正把一家优秀企 业以折扣出售"。在当前估值与稳健获利能力支撑下，Visa的风险报酬比已转趋具吸引力。 ...