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Chicago's government agencies are a mess of disconnected legacy systems that smacks of old-school municipal malaise and revenue loss as people trek to midcentury government facilities and wait in line to pay.

Even if most consumers aren't leaving their plastic cards at home in favor of mobile wallets, the very idea of using a mobile wallet is no longer cutting-edge. But a few companies go the extra mile.

The Amazon Go store isn't just reinventing retail; the company's recent acquisitions of Ring and Blink indicate Amazon wants to reproduce its model of camera-fueled commerce in consumers' homes.

In the developing world, connecting payments to the Internet of Things could have an immediate and transformative effect on people’s lives.

Electric cars have long faced an uphill battle, though TrueCommerce and AeroVironment are trying to remove one barrier by making it easier to shop and pay for fast in-home chargers.

There are still regions where contactless and EMV cards are slow to roll out, and Mastercard is working to bring these markets up to speed so that they are ready for future innovations.

As billions of devices interact in trillions of transactions, autonomous payments will be required because there simply won’t be enough humans on earth to look at them all, writes Vaughan Emery, founder and CEO of Atonomi.

Retailers used to be able to hold onto their physical presence as a differentiator against Amazon. In the past year, Amazon has taken even that advantage away.

Digital assistants are increasingly commonplace, and the trend is pressuring merchants and issuers to figure out how to keep up with consumers' interest in conversational computing.

Organizations handling payments or personal data are increasingly moving to cloud-based technology, and cyber criminals are taking advantage of that transition in finding new attack vectors.