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Customers increasingly want payments to be seamless. New developments in biometrics, instant cross-border payments, and the Internet of Things (IoT) are all part of the larger trend towards more convenient payments. However, seamlessness for consumers means complexity for merchants, creating challenging market conditions.
For an economy as developed and advanced as Japan's, cash is surprisingly still its most widely used payment instrument. Japanese consumers remain averse to mobile payments, and are even hesitant to use payment cards.