Three major technological trends will lead to a significant transformation of the payments industry: the development of online advertising technologies that will increasingly rely on transaction data, the movement of payment innovation from the existing jerry”rigged linkages of hardware and software to cloud”based computing, and the proliferation of mobile telephones and other handheld devices that are connected to the Internet. Innovation will result from the integration of these new technologies and will transform the payment and shopping experience in ways that promise to bring enormous benefits to consumers and businesses.
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