With the advent of electronic or digital forms of money replacing paper and coin at a rapid pace, the world has witnessed money transformation stages from something we hold in our hands to abstract units, i. And since consumers are always key to business, it is imperative to track the main distinguishable developments in their behaviour. Firstly, there is an increased demand for customer-centric service models: anytime, anywhere, any device. Secondly, a demand for faster deliveries has arisen. We have elaborated on both in this year s edition of our Ecommerce Payment Methods Report. As The Economist already pointed out incash, after millennia as one of mankind's most versatile and enduring technologies, looks set over the next 15 years or so finally to melt away into an electronic stream of ones and zeros. Against this backdrop, it has been only a natural step for digital commerce to become a growth imperative for small and large businesses worldwide, not only to sell to customers, but also to engage them. At the same time, the payments industry - lying at the heart of digital commerce - has evolved into a complex ecosystem comprised of merchants, issuers, acquirers, card schemes, payment service providers, processors and technology providers, Ease of use and frictionless transactions have always defined the terms for omnichannel success. Consumers expectations regarding a richer, more personalized and seamless journey will also continue to evolve in the future.
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