The future of payments is all about convenience for the end users. The end users like merchants and banks, but most importantly ordinary people (usually identified as the consumers).
The most important message from a conference on FinTech by Nets Denmark indicated that the perspective of the consumer is key when identifying new technologies for exchanging money and products. You can read more about the conference by following this URL: https://www.nets.eu/perspectives/Pages/Its-about-following-the-consumers-daily-life-and-matching-that.aspx
This blog will among other things present various methods that can be applied when working with the end user perspectives while working with the future of payments.