{"id":3979,"date":"2026-10-30T03:31:14","date_gmt":"2026-10-29T19:31:14","guid":{"rendered":"https:\/\/www.shoppingguid.com\/?p=3979"},"modified":"2026-10-30T03:31:14","modified_gmt":"2026-10-29T19:31:14","slug":"%e5%bd%93ai-%e6%8e%a5%e7%ae%a1%e8%b4%ad%e7%89%a9%e8%b7%af%e5%be%84%ef%bc%8cpaypal-%e8%bf%98%e5%89%a9%e5%a4%9a%e5%b0%91%e6%97%b6%e9%97%b4%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.qzjzb120.com\/?p=3979","title":{"rendered":"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f"},"content":{"rendered":"<div>\n<p>\u7f16\u8005\u6309\uff1a\u5f53 AI 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src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137547148077.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe1\" \/><\/p>\n<p>Morgan Stanley \u9884\u6d4b\uff1a\u5230 2030 \u5e74\uff0cAgentic Commerce \u5c06\u63a8\u52a8\u7f8e\u56fd\u7535\u5546\u652f\u51fa\u8fbe\u5230 1900 \u4ebf\u81f3 3850 \u4ebf\u7f8e\u5143\uff0c\u5bf9\u5e94 10%\u201320% \u7684\u5e02\u573a\u6e17\u900f\u7387\u3002<\/p>\n<p style=\"text-align: center\"><img decoding=\"async\" alt=\"PayPal\" src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137547648060.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe2\" \/><\/p>\n<p>Bain \u9884\u6d4b\uff1a\u5230 2030 \u5e74\uff0cAgentic Commerce \u7684\u5e02\u573a\u89c4\u6a21\u5c06\u8fbe\u5230 3000 \u4ebf\u81f3 5000 \u4ebf\u7f8e\u5143\uff0c\u7ea6\u5360\u7ebf\u4e0a\u96f6\u552e\u603b\u989d\u7684 15%\u201325%\u3002<\/p>\n<p>\u73b0\u6709\u91c7\u7528\u6570\u636e\u8868\u660e\uff0c\u6211\u4eec\u6b63\u5904\u5728\u6307\u6570\u589e\u957f\u66f2\u7ebf\u7684\u62d0\u70b9\uff1a2025 \u5e74 11 \u6708\uff0c\u5df2\u6709 23% \u7684\u7f8e\u56fd\u6d88\u8d39\u8005\u4f7f\u7528 AI \u5b8c\u6210\u8fc7\u4e00\u6b21\u8d2d\u4e70\u3002<\/p>\n<h3>Cymbio \u53ef\u80fd\u6210\u4e3a PayPal \u5728 AI \u5546\u4e1a\u4e2d\u7684\u300c\u4e2d\u95f4\u5c42\u300d<\/h3>\n<p>\u5bf9 PayPal \u800c\u8a00\uff0cCymbio \u7684\u6f5c\u5728\u5b9a\u4f4d\uff0c\u662f AI 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\u4ee3\u7406\u4e4b\u6240\u4ee5\u80fd\u591f\u5b8c\u6210\u4ea4\u6613\uff0c\u524d\u63d0\u5728\u4e8e\uff1a\u5546\u54c1\u6570\u636e\u3001\u4ef7\u683c\u3001\u5e93\u5b58\u4e0e\u5c65\u7ea6\u4fe1\u606f\u5fc5\u987b\u662f\u673a\u5668\u53ef\u8bfb\u3001\u4e14\u9ad8\u5ea6\u53ef\u9760\u7684\u3002<\/p>\n<h3>\u4ece\u300c\u7ed3\u8d26\u300d\u5230\u300cAgentic Commerce \u5de5\u4f5c\u6d41\u300d<\/h3>\n<p>PayPal \u6bcf\u5e74\u5904\u7406\u7684\u652f\u4ed8\u603b\u989d\u8d85\u8fc7 1.7 \u4e07\u4ebf\u7f8e\u5143\uff0c\u6708\u6d3b\u8dc3\u8d26\u6237\u6570\u8d85\u8fc7 1.42 \u4ebf\u3002\u5728\u4f20\u7edf\u6a21\u5f0f\u4e0b\uff0cPayPal \u7684\u6838\u5fc3\u6760\u6746\u70b9\u4f4d\u4e8e\u652f\u4ed8\u53d1\u751f\u7684\u90a3\u4e00\u523b\u3002<\/p>\n<p>\u800c\u5728 Agentic Commerce \u4f53\u7cfb\u4e2d\uff0cAI \u7cfb\u7edf\u53ef\u4ee5\u4ee3\u7528\u6237\u5b8c\u6210\u5546\u54c1\u53d1\u73b0\u3001\u65b9\u6848\u6bd4\u8f83\uff0c\u751a\u81f3\u76f4\u63a5\u4e0b\u5355\uff0c\u800c PayPal \u5219\u8d1f\u8d23\u8eab\u4efd\u9a8c\u8bc1\u4e0e\u652f\u4ed8\u6388\u6743\u3002<\/p>\n<p>\u5728\u6574\u5408 Cymbio \u4e4b\u540e\uff0cPayPal \u8986\u76d6\u4e86\u5b8c\u6574\u94fe\u8def\uff1a<\/p>\n<p>\u53d1\u73b0\uff08Discovery\uff09\uff1a\u5546\u54c1\u5728 AI \u4ee3\u7406\u4e2d\u88ab\u63a8\u8350\u4e0e\u5448\u73b0<\/p>\n<p>\u51b3\u7b56\uff08Decisioning\uff09\uff1a\u901a\u8fc7\u5bf9\u8bdd\u5f0f\u4ea4\u4e92\u4e0d\u65ad\u6536\u655b\u9009\u9879<\/p>\n<p>\u7ed3\u8d26\uff08Checkout\uff09\uff1a\u7531 PayPal \u5b8c\u6210\u8eab\u4efd\u9a8c\u8bc1\u4e0e\u652f\u4ed8<\/p>\n<p>\u5c65\u7ea6\uff08Fulfilment\uff09\uff1a\u8ba2\u5355\u76f4\u63a5\u6ce8\u5165\u5546\u5bb6\u7cfb\u7edf\u6267\u884c<\/p>\n<h3>\u534f\u8bae\u4e4b\u4e89\uff1a\u670d\u52a1 vs \u6807\u51c6<\/h3>\n<p>\u5f53 PayPal \u4ee5\u300c\u4ea7\u54c1\u4e0e\u670d\u52a1\u300d\u7684\u5f62\u5f0f\u63a8\u8fdb Agentic Commerce \u65f6\uff0cGoogle \u4e0e Shopify \u6b63\u5728\u6784\u5efa\u4e00\u4e2a\u8de8\u804c\u80fd\u3001\u6807\u51c6\u5316\u7684 Agentic Commerce \u534f\u8bae\u4f53\u7cfb\u3002<\/p>\n<p>\u5173\u952e\u5728\u4e8e\uff1a<\/p>\n<p>Google \u6b63\u5c06 UCP\uff08Universal Commerce Protocol\uff09\u76f4\u63a5\u5d4c\u5165 \u641c\u7d22 \u4e0e Gemini<\/p>\n<p>Shopify \u5219\u786e\u4fdd\u5176\u6570\u767e\u4e07\u5546\u5bb6\u53ea\u9700\u96c6\u6210\u4e00\u6b21\uff0c\u5c31\u80fd\u89e6\u8fbe\u591a\u4e2a AI \u4ee3\u7406<\/p>\n<p>\u8fd9\u610f\u5473\u7740\uff0cAI \u5546\u4e1a\u7684\u5e95\u5c42\u57fa\u7840\u8bbe\u65bd\uff0c\u6b63\u5728\u4ece\u300c\u5355\u70b9\u80fd\u529b\u300d\u6f14\u8fdb\u4e3a\u300c\u534f\u8bae\u5316\u7f51\u7edc\u300d\u3002<\/p>\n<p style=\"text-align: center\"><img decoding=\"async\" alt=\"PayPal\" src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137547845644.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe3\" \/><\/p>\n<p>UCP \u7684\u76ee\u6807\uff0c\u662f\u638c\u63a7 AI \u5546\u4e1a\u7684\u300c\u8def\u7531\u5c42\u300d\uff0c\u800c\u4e0d\u662f\u76f4\u63a5\u62e5\u6709\u6216\u7ecf\u8425\u5546\u4e1a\u672c\u8eab\u3002<br \/>\u8fd9\u66f4\u50cf\u662f\u4e00\u79cd\u9632\u5fa1\u6027\u5e03\u5c40\uff1a\u901a\u8fc7\u5c06\u8fd9\u4e00\u5c42\u505a\u6210\u300c\u514d\u8d39\u300d\u7684\u516c\u5171\u534f\u8bae\uff0c\u5e76\u5f15\u5165\u5f3a\u7f51\u7edc\u6548\u5e94\uff0c\u9632\u6b62\u4efb\u4f55\u5355\u4e00\u5bf9\u624b\u5784\u65ad AI \u5546\u4e1a\u4f53\u7cfb\u7684\u6838\u5fc3\u63a7\u5236\u6743\u3002<\/p>\n<p>\u56e0\u6b64\uff0cPayPal \u5e76\u975e\u5728\u4e0e UCP \u6b63\u9762\u7ade\u4e89\uff0c\u800c\u662f\u5728\u4e3b\u52a8\u5d4c\u5165\u8fd9\u4e00\u4f53\u7cfb\u4e4b\u4e2d\u3002<br \/>Google \u5df2\u660e\u786e\u8868\u793a\uff0c\u57fa\u4e8e UCP \u7684\u7ed3\u8d26\u80fd\u529b\u5c06\u652f\u6301\u591a\u79cd\u652f\u4ed8\u670d\u52a1\u5546\uff0c\u5176\u4e2d\u5c31\u5305\u62ec PayPal \u4e0e Google Pay\u3002<\/p>\n<p>\u6362\u8a00\u4e4b\uff0cUCP 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\u5141\u8bb8 AI \u4ee3\u7406\u901a\u8fc7\u7ed3\u6784\u5316 API \u4e3b\u52a8\u53d1\u8d77\u8d2d\u4e70\u8bf7\u6c42\uff0c\u5e76\u7531 Stripe \u53d1\u884c\u5171\u4eab\u652f\u4ed8\u4ee4\u724c\uff08shared payment tokens\uff09\uff0c\u4ee5\u5b9e\u73b0\u4ee3\u7406\u6388\u6743\u4e0b\u7684\u652f\u4ed8\u786e\u8ba4\u3002\u8fd9\u4f7f\u5f97 AI \u5728\u83b7\u5f97\u6388\u6743\u540e\uff0c\u53ef\u4ee5\u4ee3\u8868\u7528\u6237\u5b8c\u6210\u4ece\u4e0b\u5355\u5230\u652f\u4ed8\u7684\u4e00\u6574\u5957\u4ea4\u6613\u6d41\u7a0b\u3002<\/p>\n<p style=\"text-align: center\"><img decoding=\"async\" alt=\"PayPal\" src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137550199783.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe5\" \/><\/p>\n<p><img decoding=\"async\" alt=\"PayPal\" src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137553269983.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe6\" \/><\/p>\n<p><img decoding=\"async\" alt=\"PayPal\" src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137553462603.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe7\" \/><\/p>\n<p>Stripe \u968f\u540e\u5728 2025 \u5e74 12 \u6708\u63a8\u51fa\u4e86 Agentic Commerce Suite\uff0c\u4f7f\u5546\u5bb6\u53ef\u4ee5\uff1a<\/p>\n<p>\u53d1\u5e03\u5546\u54c1\u76ee\u5f55\uff0c\u4f9b AI \u4ee3\u7406\u76f4\u63a5\u8bbf\u95ee<\/p>\n<p>\u81ea\u4e3b\u9009\u62e9\u901a\u8fc7\u54ea\u4e9b AI \u4ee3\u7406\u8fdb\u884c\u9500\u552e<\/p>\n<p>\u901a\u8fc7 Stripe \u5904\u7406\u652f\u4ed8\u3001\u98ce\u63a7\u4e0e\u4e89\u8bae\u5904\u7406<\/p>\n<p>\u5c06\u8ba2\u5355\u4e8b\u4ef6\u56de\u4f20\u81f3\u73b0\u6709\u4e1a\u52a1\u7cfb\u7edf<\/p>\n<p>Stripe \u5728 2024 \u5e74\u5904\u7406\u7684\u652f\u4ed8\u603b\u989d\u8d85\u8fc7 1 \u4e07\u4ebf\u7f8e\u5143\uff0c\u670d\u52a1\u7740\u5168\u7403\u6570\u767e\u4e07\u5bb6\u4f01\u4e1a\u3002\u5176\u7ade\u4e89\u7b56\u7565\u975e\u5e38\u660e\u786e\uff1a\u6210\u4e3a AI \u4ee3\u7406\u7684\u300c\u9ed8\u8ba4\u94b1\u5305\u300d\u4e0e\u300c\u884c\u52a8\u6267\u884c\u5c42\u300d\u2014\u2014\u8fd9\u4e0e\u5176\u5f53\u5e74\u6210\u4e3a\u4e92\u8054\u7f51\u4f01\u4e1a\u9ed8\u8ba4\u652f\u4ed8 API \u7684\u8def\u5f84\u9ad8\u5ea6\u76f8\u4f3c\u3002<\/p>\n<p>\u5728\u8fd9\u4e00\u80cc\u666f\u4e0b\uff0cPayPal \u4e0e Stripe \u663e\u7136\u6b63\u5728\u6b63\u9762\u4ea4\u950b\uff1a<br \/>\u4e24\u8005\u4e89\u593a\u7684\uff0c\u4e0d\u53ea\u662f\u652f\u4ed8\u672c\u8eab\uff0c\u800c\u662f AI \u4ee3\u7406\u771f\u6b63\u300c\u52a8\u624b\u6267\u884c\u4ea4\u6613\u300d\u65f6\u7684\u5173\u952e\u63a7\u5236\u70b9\u3002<\/p>\n<h3>\u5c06\u4e09\u5957\u4f53\u7cfb\u653e\u5728\u4e00\u8d77\u5bf9\u6bd4\uff08Comparing the three systems together\uff09<\/h3>\n<p>\uff08\u8fd9\u91cc\u901a\u5e38\u4f1a\u8fdb\u5165 UCP \/ ACP \/ PayPal + Cymbio \u7684\u6a2a\u5411\u5bf9\u7167\uff1a<br \/>\u8c01\u63a7\u5236\u8def\u7531\u5c42\u3001\u8c01\u63a7\u5236\u534f\u8bae\u3001\u8c01\u63a7\u5236\u652f\u4ed8\u4e0e\u5c65\u7ea6\u6267\u884c\u2014\u2014\u4ee5\u53ca\u5b83\u4eec\u5404\u81ea\u7684\u7f51\u7edc\u6548\u5e94\u6765\u6e90\u3002\uff09<\/p>\n<p>\u5982\u679c\u4f60\u613f\u610f\uff0c\u6211\u53ef\u4ee5\u76f4\u63a5\u5e2e\u4f60\u628a\u4e0b\u4e00\u6bb5\u6574\u7406\u6210\u4e00\u4e2a\u5bf9\u7167\u8868\u6216\u4e00\u6bb5\u9ad8\u5ea6\u6982\u62ec\u7684\u300c\u683c\u5c40\u5224\u65ad\u300d\uff0c\u628a\u4e09\u65b9\u7684\u5206\u5de5\u4e0e\u535a\u5f08\u4e00\u6b21\u6027\u8bf4\u6e05\u695a\u3002<\/p>\n<p style=\"text-align: center\"><img decoding=\"async\" alt=\"PayPal\" src=\"https:\/\/hx24-prod.mars-block.com\/image\/news\/2026\/02\/15\/1771137553686109.webp?x-oss-process=image\/quality,q_50\/format,webp\" data-href=\"\" title=\"\u5f53AI \u63a5\u7ba1\u201c\u8d2d\u7269\u8def\u5f84\u201d\uff0cPayPal \u8fd8\u5269\u591a\u5c11\u65f6\u95f4\uff1f\u63d2\u56fe8\" \/><\/p>\n<h2>\u5173\u952e\u7ed3\u8bba\uff08Key Takeaways\uff09<\/h2>\n<p>\u6709 \u4e09\u70b9\u5f71\u54cd\u5c24\u4e3a\u7a81\u51fa\uff1a<\/p>\n<p>\u5546\u4e1a\u884c\u4e3a\u5c06\u53d8\u5f97\u5bf9\u8bdd\u5316\u3001\u5e76\u53ef\u88ab\u4ee3\u7406\u6267\u884c<br \/>\u8d2d\u4e70\u4e0d\u518d\u662f\u7528\u6237\u9010\u6b65\u70b9\u51fb\u5b8c\u6210\u7684\u6d41\u7a0b\uff0c\u800c\u662f\u7531 AI \u5728\u5bf9\u8bdd\u4e2d\u7406\u89e3\u9700\u6c42\u3001\u5e76\u5728\u6388\u6743\u4e0b\u4ee3\u4e3a\u5b8c\u6210\u3002<\/p>\n<p>\u5546\u5bb6\u300c\u4e00\u6b21\u63a5\u5165\uff0c\u5904\u5904\u5206\u53d1\u300d<br \/>\u5546\u5bb6\u4e0d\u9700\u8981\u4e3a\u6bcf\u4e00\u4e2a\u5e73\u53f0\u5355\u72ec\u9002\u914d\uff0c\u53ea\u9700\u5b8c\u6210\u4e00\u6b21\u96c6\u6210\uff0c\u5546\u54c1\u5c31\u80fd\u901a\u8fc7\u591a\u4e2a AI \u4ee3\u7406\u4e0e\u6e20\u9053\u89e6\u8fbe\u7528\u6237\u3002<\/p>\n<p>\u652f\u4ed8\u5c06\u6210\u4e3a\u5d4c\u5165\u5f0f\u57fa\u7840\u8bbe\u65bd\uff0c\u800c\u4e0d\u518d\u662f\u4ea4\u6613\u7ec8\u70b9<br \/>\u652f\u4ed8\u4e0d\u518d\u662f\u300c\u6700\u540e\u4e00\u6b65\u7684\u6309\u94ae\u300d\uff0c\u800c\u662f\u88ab\u6df1\u5ea6\u5d4c\u5165\u5230\u53d1\u73b0\u3001\u51b3\u7b56\u4e0e\u5c65\u7ea6\u6d41\u7a0b\u4e2d\u7684\u5e95\u5c42\u80fd\u529b\u3002<\/p>\n<h3>\u652f\u4ed8\u7f51\u7edc\u7684\u63d0\u524d\u5e94\u5bf9<\/h3>\n<p>\u987a\u5e26\u4e00\u63d0\uff0cMastercard \u5728 2026 \u5e74 1 \u6708 \u5ba3\u5e03\u6b63\u5728\u7814\u7a76\u300cAI \u5546\u4e1a\u89c4\u5219\u300d\uff0c\u672c\u8d28\u4e0a\u662f\u5728\u8bd5\u56fe\u62a2\u5148\u4e00\u6b65\uff0c\u53c2\u4e0e\u5b9a\u4e49\u8fd9\u4e00\u8f6c\u578b\u4e2d\u7684\u6cbb\u7406\u6846\u67b6\u3002<br \/>\u652f\u4ed8\u7f51\u7edc\u663e\u7136\u610f\u8bc6\u5230\uff1a\u5728 AI \u4ee3\u7406\u5927\u89c4\u6a21\u5b8c\u6210\u4ea4\u6613\u4e4b\u524d\uff0c\u89c4\u5219\u4e0e\u6807\u51c6\u7684\u5236\u5b9a\u6743 \u5c06\u51b3\u5b9a\u672a\u6765\u7684\u4f4d\u7f6e\u3002<\/p>\n<p>\u6b63\u5982\u6211\u4eec\u5728\u4eca\u5e74 1 \u6708\u7684\u5206\u6790\u4e2d\u6240\u6307\u51fa\u7684\u90a3\u6837\uff1a\u94f6\u884c\u3001\u91d1\u878d\u79d1\u6280\u516c\u53f8\u4e0e\u52a0\u5bc6\u884c\u4e1a\u5fc5\u987b\u786e\u4fdd\u81ea\u5df1\u300c\u5750\u5728\u684c\u8fb9\u300d\uff0c\u800c\u4e0d\u662f\u4e8b\u540e\u88ab\u7eb3\u5165\u3002<\/p>\n<p>\u91d1\u878d\u673a\u6784\u5982\u679c\u4e0d\u80fd\u63d0\u524d\u5d4c\u5165\u8fd9\u4e9b\u5e73\u53f0\uff0c\u5176\u91d1\u878d\u804c\u80fd\u6700\u7ec8\u53ef\u80fd\u4f1a\u88ab Big Tech 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