The businesses that make a difference in 2024 will be those that wrap more value or utility around payments — those that realize it’s about the payment experience, not the payment itself. Networks will amplify the value of B2B payments, wallets will be about everything except the payment, and account-to-account and micropayments will break out as important mainstream solutions to consumer and business needs. In 2024, you’ll need to focus less on the payment and more on how you anchor greater value and opportunity around it.