What’s next • Our mental model of money as somethingphysical will be replaced by money as traceable, programmable filetransfers. • New payment experiences will be used as a pointof differentiation and disruption. • As it becomes easier for companies to play a financial role in their customers’ lives, trust will be key and it will have to be built through quality of experience, while robustly addressing concerns about privacy, transparency andintegrity. • Smart devices can already learn to identify their MORE TO EXPLORE sers for authentication with minimal effort.Next, u we’ll see a significant rise in the use of “biometric mobile wallets”–payment by fingerprint, facial or retinarecognition.