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Alternative Payments (non-scheme-card, PSD2 payments) continue to take market share as consumers demand choice. Google, Apple, Facebook, Amazon & Co. enter the payments arena as do large Chinese powerhouses (Wechat and Alipay). “Hybrid” consumer behavior drives business models, omni-channel is the new normal and the proliferation of end-to-end mobile payment methods will further fight chash. Fintech 2.0 provides more mature and integrated use cases for consumers and more attractive business models for retail. Leading issuers are pushing mobile payments based on barcode and QR-code. Completely new products and use cases emerge, driven by regulation (PSD2, instant payment), technology (blockchain, AI, IOT) and the “sharing economy” (P2P).