This article explores sociotechnical imaginaries of digital payments. Drawing on a decade of reports from industry consultants, the analysis of stories on digital payments identifies three sociotechnical imaginaries that shape the banking and payment industry: data monetization, the growth of digital payments, and the payment experience. The article argues that these imaginaries have contributed to the banking industry’s move toward becoming payment platforms, which restructure financial services based on a “re-personalization of money.” In effect, digital payments play a central part in the current economic transformation, led and promoted by global tech giants, that builds on the tracking, production, categorization, and classification of digital data. The article zooms in on recent and current expectations and imaginaries in the banking industry that, in the short run, shape economic decisions, while, in the long run, are set out to change how people interact, and how they are tracked, scored, and categorized.

本文探讨了数字支付的社会技术想象。利用来自行业顾问的十年报告，对数字支付故事的分析确定了塑造银行和支付行业的三种社会技术想象力：数据货币化，数字支付的增长以及支付体验。文章认为，这些假想推动了银行业成为支付平台的转变，该平台基于“货币的重新个性化”对金融服务进行了重组。实际上，在全球科技巨头的领导和推动下，数字支付在当前的经济转型中扮演着重要角色，这种转型建立在对数字数据的跟踪，生成，分类和分类的基础上。