Mobile payments

Bradley Riss is chief commercial officer at Checkout.com, a firm that acts as a payment gateway, acquirer and processor through a single channel, covering cards, passthrough wallets, stored value wallets and alternative payment options such as point of sale credit. It charges a fee based on processing and card payment costs rather than the percentage+ model that most payment API companies charge. The model is designed to make the service customized to different merchants and serve as a base to offer other merchant products.

Recurring transactions build relationships, are digitally friendly and can diversify product offerings, says Zuora's Michael Mansard.

Decentralized finance, in tandem with financial institutions, could create a more efficient, convenient, wider-reaching and more secure experience than traditional finance alone, says FISPAN's Clayton Weir.

Humans have come to expect experiences that are simple, efficient, quick, error-free and secure, says Bottomline Technologies' Jessica Cheney.

Building the processing tech was the easy part. Finding the right mix of users and transactions posed many challenges.

Building the processing tech was the easy part. Finding the right mix of users and transactions posed many challenges.

The council plays a critical role ensuring technology meets robust security needs as fraud risks rise, says MYPINPAD's Justin Pike.

When managed effectively, certification bodies can coordinate industry-wide solutions to otherwise significant challenges, easing pain points and ultimately driving innovation, says Fime's Reza Rahmani Fard.

Transit and parking draw new users to mobile wallets, and Google is expanding both features to add use cases for its payment app.

The shift to digital is permanent, creating an opportunity to reassess long-term strategy, says Greynier Fuentes.