Some nice perspectives on 2014/2015
OmniCommerce In 2014, frictionless omniCommerce was on the cusp of becoming a reality. Competition between large retailers has driven the implementation of omni-channel strategies, as innovations in the space have helped transition omniCommerce from buzzword to crucial element in ensuring the future of their businesses. Central to any omniCommerce strategy is the increased availability and adoption of mobile devices which have allowed commerce to transcend across multiple channels. The challenge that remains is one of effectively engaging with customers across these multiple channels, offering convenient multi-device payment methods, while at the same time collecting valuable data that allows a business to offer tailored discounts, coupons and promotions to entice spending, often through branded mobile apps.
http://www.alphapaymentscloud.com/what-2014-told-us-about-fintech-in-2015/