Two drivers for mobile payments

• Productivity

• How to develop user experience in a way that increase individual end-user productivity and satisfaction (e.g. simple and faster tool for end-user)
• How to increase operational efficiency by digitalizing how payment process (e.g. abandon of plastic card issuing)
  

• New innovative services
• What are valuable end-user services that can be served only in mobile context – not just extension or replacement of existing channels?
• Which of these need payments?

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