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Final report Shopping2020

Today, the Dutch retail payment landscape is dominated by cash and Maestro (‘pinnen’), offline, and iDEAL, online. Both contexts remain largely separated, although they converge slowly. The expert group Transaction within Shopping2020 identified nine trends that are currently shaping the future of retail payments. Among them are the emergence of digital identities, convergence of channels and, for certain consumers, a stronger desire to protect their personal data. Based on the current state of affairs and trends, the expert group described and assessed four scenarios.
The scenarios are built along the axis of privacy and control by consumers and the number of payment services (/providers)

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