My top payment prediction for 2024 is that businesses which can set-up a subscription like billing model will continue to do so. They will prioritize the certainty of a consistent revenue stream even if it means having to offer a discount to clients or nudge some prospects look for other providers. I suspect if companies are big enough to have the data at their fingertips they will know exactly how much (if at all) to discount for subscribers to optimize their revenue. If I was forced to come up with another prediction is would be to expect an even larger rejection of tipping. Individuals have no problem spontaneously tipping, for example, salon workers, but don't want to feel pressured to tip someone who merely hands them a pre-made sandwich.