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In 2016 consumer mobile payments will experience continued service and technology innovation and strong growth. The most effective and widely used mobile payments services will be those that are most contextually relevant to the consumer.


  • Providing m-payments applications that are contextually relevant to consumers will be the key objective for service providers in 2016 and beyond.

Features and Benefits

  • Explains what contextual commerce and personalization mean and how they can be achieved.
  • Outlines growth trends in users and transaction values across key m-commerce segments in 2016 and beyond.

Key questions answered

  • How will mobile payments services develop in 2016 and which applications will be most important?
  • How can consumer concerns around mobile payments security and data privacy be addressed?

Table of contents


  • In brief
  • Ovum view
  • Key messages
  • Recommendations

The rise of contextual commerce

  • In-application payments will be to the fore
  • Personalization is central to the contextual equation
  • Security issues continue to loom large
  • International remittances are ripe for disruption
  • Promotions and rewards will feature more heavily in the mix
  • Digital payments will permeate more IoT scenarios
  • Wearables will not be a mainstream platform for m-payments in 2016

Growth in m-payments services

  • Prepare for a boom in m-commerce
  • Growth and increased competition in P2P payments
  • Mobile proximity payments are lagging, but better prospects beckon
  • Good opportunities in emerging markets

More disruption in the consumer service ecosystem

  • Apple wins mind share rather than market share
  • Attention shifts to Android heavyweights
  • An independent PayPal is flexing its muscles
  • Digital innovators breathe new life into P2P payments
  • More big retailers will take control of their own destiny


  • Further reading
  • Author

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