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Smart Insights: Invisible payments to contribute to over 25% of all electronic transactions by 2021

Retail sales processed using invisible payments will grow at a CAGR (Compounded Annual Growth Rate) of 54% between 2016 and 2021; invisible payments will drive further the adoption of electronic payments in detriment of less cash transactions.

MARSEILLE, FRANCE, September 26, 2016 – Intelling is publishing a new Smart Insights Report “Invisible payments key to omni-channel commerce” that conducts a detailed analysis of this emerging market segment – invisible payments. Invisible payments mean reducing the payments experience for consumers to the minimum amount of effort, while maintaining the highest levels of security, authentication and trust. Many activities will be moved to the back-end at the same time processes become even more automated, leading the consumer to complete a payment without even noticing it.

Looking to the payments industry as a whole, Smart Insights analyzes the main trends shaping the payments landscape in the last years, as well as retail. Focusing on the needs identified in the market, drivers and constraints for the implementation of invisible payment systems are presented, while highlighting the potential benefits for multiple stakeholders.

A global vision through the value chain is also offered, evaluating the business models and positioning of the multiple stakeholders in this market, as well as a discussion regarding interoperability, security and privacy issues, and the regulation landscape.

The Smart Insights Report: “Invisible payments key to omni-channel commerce,” forecasts payments mix of electronic transactions (in billion transactions), retail sales (in-store, mCommerce and eCommerce) and retail sales’ payment mix (in EUR trillion) from 2016 until 2021. Total electronic transactions are forecasted to reach 721.3 billion by the end of the forecast period. Invisible payments’ adoption during the forecast period are analyzed in five regions (Asia, CEMEA, Latin America, North America and Western Europe).

Thierry Spanjaard, CEO of Smart Insights declares: “Invisible payments are about to revolutionize the payments industry. Invisible payments will mostly be processed in the cloud, with automation of identification and authentication phases. After succeeding in making the smart card the most common paying tool, the secure transactions industry introduced mobile payments and is now shifting to payment without any physical support.”

Silvana Pintão, industry analyst for Smart Insights and author of the report adds: “Invisible payment is about to make payments frictionless and frustration-free for all stakeholders. New solutions must build on client-centric innovation, while building the foundations to persecute an omni-channel commerce strategy.”

Smart Insights Report “Invisible payments key to omni-channel commerce” has been conducted combining Smart Insights long-standing experience and unique positioning in the secure transactions industry with interviews with key players in the payments industry. It is an essential tool to all key stakeholders in secure transactions industry and payments industry such as system providers, acquirers and issuers, payment processors, hardware and software providers, standards organizations, technology developers and systems integrators, etc.

The Smart Insights Report “Invisible payments key to omni-channel commerce” is available at

In related news, Smart Insights will be present at “Connect Security World” in Marseille, from 26-28 September 2016 as part of Smart Security Week. Smart Insights experts will deliver two conferences:

  • “Changing the security ownership with embedded solutions,” by Thierry Spanjaard, CEO & Principal,

  • “Smart ticketing on the path of dematerialization,” by Silvana Pintão, Industry Analyst.

Feel free to give us a call to arrange a meeting.

About Intelling:

Smart Insights Reports, along with Smart Insights Weekly and Smart Insights Market Trends, are published by Intelling, a consultancy headquartered in Marseille, France. Intelling is a consultancy with two expertise majors: marketing and strategy for secure transactions, smart cards, telecoms, payment, and convergence, as well as market intelligence, for all industry fields. Intelling is the publisher of Smart Insights Reports, that address secure transactions and smart card markets, providing an extensive qualitative and quantitative analysis.

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