Fundamental shifts in consumer behavior, the emergence of new technologies and an evolving regulatory landscape means the payments ecosystem is poised for unprecedented transformation in 2018.
The demand for safer data, faster payments and better experiences presents great opportunity, but also significant challenges.

The way we pay is changing. As shopping habits evolve, e-commerce and m-commerce methods such as in-app and one-click ordering are becoming increasingly popular.
In addition, the exponential growth of the IoT is introducing a wealth of new payment use-cases, such as connected cars.

Issuers and merchants, however, must deliver enhanced and varied payment experiences in an exceptionally challenging security landscape.
The success of the EMV chip specifications in securing the physical point-of-sale means increasingly sophisticated criminals have shifted their attention towards the more vulnerable e-commerce and m-commerce channels.
In addition, there must now be an assumption that the personally identifiable information of any consumer can be accessed and deployed by fraudsters, following the various massive data breaches over the years.

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