I foresee that payment technologies will become far more advanced over the next 20 years. Today, NFC and QR are already part of our lives, but very soon biometric payments will be the safest and most valid method everywhere. By matching a fingerprint or retina scan against a credit card or bank account in a cloud-based system, physical shoppers will be able to pay without the need to carry a wallet, while security solutions tailored for this purpose will form a whole new sector.
