18. AI Features (2026)

User-Centric Intelligence

• Pay on Autopilot → AI executes smart contracts instantly when conditions are met, from bill payments to subscriptions.

• Tailored to You → Personalized payment methods, dynamic fees, and financial product recommendations based on spending habits.

• More Convenient & Efficient → Payments in seconds via AI glasses, smartwatches, or mobile wearables.

• Personalized Experiences → Wearables suggest offers and loyalty perks at the right time.

• Always-On Support → 24/7 AI assistant to guide, troubleshoot, and recommend services.

Security & Trust

• AI Fraud Shield → Detects and blocks suspicious or risky transactions in real time.

• Enhanced Payment Security → Biometric ID + continuous AI monitoring protect every transaction.

• Compliance by Design → Automated AML, KYC/KYB, and risk scoring to ensure trust and regulatory alignment.

Cross-Border & Travel Utility

• Borderless & Smart → AI optimizes FX rates and ensures compliance for faster, cheaper cross-border payments.

• Driving Cross-Border Growth → Real-time FX + blockchain + AI = instant settlement in any currency.

• Expansion of Scenarios → From retail to transport, healthcare, parking, and education — PWC adapts to every payment use case.

· Travel Companion → Real-time receipt translation, AI Trip Mode for nearby shops, and FX voice prompts before you pay. Merchant-Centric Automation

• Settlement Simplified → Auto-conversion to fiat with customizable rules (e.g., 70% fiat / 30% crypto).

• Smart Promotions → Automated vouchers, discounts, and loyalty campaigns triggered during off-peak hours.

• Customer Insights → AI analytics track top spenders, predict churn, and launch win-back offers.

· Cash Flow Intelligence → AI forecasts busy vs. slow weeks and automates payroll and expense tracking

PWC is the only player offering a non-custodial, hardware-ready, fiat-converting crypto POS system designed for emerging markets and high-traffic tourist zones — now enhanced with AI. While others focus on online or plugin-only solutions, PWC is building the AI-powered rails for street-level crypto commerce: AI Fraud Shield ensures safe transactions in real time. AI Smart Settlement auto-converts crypto to fiat under customizable merchant rules. AI Merchant Insights deliver customer analytics, churn prediction, and smart promotions automatically. The result: A payments ecosystem that isn’t just live, regulated, and scalable — it’s intelligent, adaptive, and future-proof.