yStats：2026年全球支付市场趋势：：基础设施、实时支付、跨境支付、欺诈与人工智能样本报告（英文版）

Password-Based Authentication Is Gradually Giving Way To Stronger Verification Models  Digital identity systems have historically relied on usernames and passwords as the primary mechanism for verifying user access. However, growing concerns around credential theft, account compromise, and authentication friction have contributed to increased adoption of stronger authentication alternatives. The increasing adoption of passkeys highlighted in the FIDO Alliance reflects a shift toward cryptograph