Small presentation on 4 trends that have the potential to shape the payment market in the coming years. This is not an exhaustive list, but a mere summary of trends that seem to coming back in quite some reports.

1. 4 Payment trends ’15 + Ludwig Dumont

2. No more normal
wallets
• One e-wallet
• Hardware + software
• New types of money
• Not only money data
• Towards a standard

3. Bye bye Proton
• Small amount of money
• Mostly online
• Mobile as the platform
• No transaction fees
• Developing countries

4. The bank is invisible
• End product based
• Money as a part of
• Seamless streams
• Fully digital process
• Security

5. New form factors
• Not only smartphones
• Wearable revolution
• Locked in
• Data collection