Gartner Research

Making Payments Invisible Demands Highly Visible Steps

Published: 05 December 2016

ID: G00313918

Analyst(s): Christophe Uzureau


"Invisible," frictionless or seamless payments promise to make transactions simpler for consumers and more efficient for banks and merchants. But the transition to invisible payments will require bank CIOs to focus first on making processes flexible before making them invisible to customers.

Table Of Contents
  • The Path to "Invisible Payment" Systems Is Not Straightforward
    • Security Perceptions Shift Slowly
    • Making a Payment Is Not Just One Step for Customers
    • Making It Natural Is Not (That) Necessary
  • Thinking Beyond Payment Initiation
    • Pre- and Post-Transaction Services
    • Flexibility Before Invisibility

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