Inai joined PAYMENTS FM to talk about payment success rates, AI, routing, testing, and how teams can find payment problems faster.
State of Payments survey
We are launching the State of Payments survey. It takes about four minutes to complete, and anonymous responses are welcome. We will publish the results at the end of the year.
Why this matters
Payment performance can look simple in a dashboard and messy in real life. Success rate changes by market, customer segment, provider, payment method, and checkout flow.
AI can help teams spot patterns faster, but the value comes from better decisions. A model should point the team toward a fix, a test, a routing change, or a provider conversation.
Clean data still comes first. If payment events, orders, customer segments, and provider responses are messy, AI will mostly make the mess easier to summarize.
What to watch
Use AI around metrics that already matter to the business.
Success rate by segment
Failed payment patterns
Checkout test results
Provider performance
Routing outcomes
Account to account opportunities
Data quality gaps
Recommendations that led to fixes
What it means for your team
AI payment work needs product, engineering, data, finance, and operations involved early.
Product needs to know which checkout changes help customers. Engineering needs clean event data. Finance needs revenue and cost impact. Operations needs alerts that lead to action. Data teams need definitions that everyone can trust.
What to do next
Start with a few useful questions instead of a big AI program.
Define success rate by business model
Segment before acting on averages
Connect payments to orders and customers
Test checkout and routing changes
Review data quality first
Track actions after recommendations
Keep a human review step
Questions to ask internally
Which payment questions take too long to answer today?
Can we connect payment, checkout, order, and customer data?
Which AI recommendations led to action?
How do we measure if a fix worked?
Which data gaps block useful analysis?
Guest perspective
Payment success rate needs context by customer, market, method, and provider.
AI can help teams find patterns faster when the data is clean.
A/B testing and routing changes need clear measurement before teams scale them.
The practical test is whether AI changes decisions and improves performance.
Listen or watch
Resources
Related episodes
Open Banking and Pay by Bank with Anubhav Pradhan, ShiftMate
Benefits of Payment Orchestration with Zubin Vandrevala, Gr4vy
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