Consumers will not accept any longer a lot of hassle to make a transaction. With the right use of data, a retailer will recognize its customer, and therefore the customer will not accept if the data isn’t used to make the payment seamless. Seamless will also be enhanced with artificial intelligence and voice command. These and other technological and regulatory, such as PSD2, developments will speed up the merge between online and offline shopping with customers expecting anywhere and anytime the same level of service and loyalty.
The future of retail payments depends on a lot of variables and can be very country specific. That said, in general, convenience will stay key for success.