# 18. AI Features (2026)

User-Centric Intelligence&#x20;

* 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.

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* 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.\
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Merchant-Centric Automation\ <br>

* 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

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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:\
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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.\
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The result: A payments ecosystem that isn’t just live, regulated, and scalable — it’s intelligent, adaptive, and future-proof.
