Emerging Payments Working Committee

The goal of the Emerging Payments Working Committee is to bring together interested stakeholders to collaboratively explore the opportunities and challenges associated with the implementation of emerging, mobile, and consumer-present payments technologies in the U.S. market. The committee identifies implementation gaps, proposes practical solutions, and facilitates the sharing of best practices to support stakeholder adoption.

Focus areas include:

• Implementation challenges across a variety of consumer-present and mobile-initiated use cases, including in-store, in-app, wearable, voice, agent-driven, and context-aware transactions
• Deployment and support of payment technologies such as NFC, Bluetooth, QR codes, and secure cloud-based or embedded wallets
• Adoption and standardization of security layers, including tokenization, encryption, passkeys, and decentralized identity
• Considerations for AI-driven payment experiences, including agentic commerce and AI copilots
• UX and trust design for stablecoin-based payments, delegated permissions, and recurring payment flows
• Lifecycle management of tokens, credentials, and wallet provisioning
• Implications of these technologies on merchant operations, consumer trust, and financial institution readiness

The committee’s primary emphasis remains on consumer-present and mobile-influenced transactions, with selected inclusion of adjacent areas such as ecommerce, account-to-account, or digital credential use cases as warranted.

Emerging Payments Working Committee co-chairs are:

• Deborah Baxley, PayGility Advisors
• Sunil Landge
• Bradford Loewy, Bulloch Technologies by DFS

The Emerging Payments Working Committee (formerly the Mobile & Touchless Working Committee) has completed resources to assist the U.S. payments industry with emerging and mobile payments implementation, including:

• Connected Car and Contextual Payments, A white paper that explores real-world examples and equips stakeholders across industries with the knowledge needed to navigate this evolving landscape.
• Contactless Resources: Implementation Considerations and Clarifications, providing guidance to assist merchants, acquirers and issuers with contactless payments implementation
• Contextual Payments, Considering Artificial Intelligence, 5G and Internet of Things
• Device Authentication and Consumer Verification Techniques for Mobile In-App Remote Payments, Dive into this educational resource that provides a reference point for payments professionals to increase their understanding of available authentication / verification techniques and tools
• EMV Payment Tokenization Primer and Lessons Learned, educational resource on EMV payment tokenization and implementation lessons learned
• Exploring Data Elements in Mobile Payment Transactions, A white paper that delves into how data elements can be used to enhance security, fraud prevention and user experiences.
• How Emerging Data Elements Can Support Mobile Wallet Use Cases, educational resource on emerging data elements and their use in face-to-face transactions initiated from non-traditional payment devices
• Introduction to mPOS and TapToMobile Solutions a resource created to offer guidance on different form factors and technologies associated with these payment systems.
• Leading Practices for Securing Mobile and Contactless Payments
• Mobile and Contactless Payments Glossary, defining mobile and contactless payments terms to encourage cross-industry standardization of terminology
• Mobile and Contactless Payments Requirements and Interactions, resource on how mobile and contactless payments requirements are collected from payments ecosystem stakeholders
• Mobile and Digital Wallet “Lunch and Learn” Webinar Series, providing an in-depth review of mobile wallet models, security approaches and key merchant and issuer considerations for adoption.
• Mobile and Digital Wallets: U.S. Landscape and Strategic Considerations for Merchants and Financial Institutions, resource providing guidance to merchants and financial institutions on models, technologies and usage drivers for mobile and digital wallets
• Mobile Payments Standards Glossary, reference listing standards and standards bodies that are applicable to mobile or contactless payments
• Podcast – Best Practices for Contactless (NFC) Commerce at the POS & ATM
• QR Codes FAQ
• Real-Time Payments with Mobile a new resource aimed at educating the industry on real-time payments use cases on mobile devices.
• The Role of Mobile IDs in Payments, A white paper that will educate payment stakeholders on the increasing number of emerging, government-issued digital identity services and how they can potentially increase security and convenience for online and in-person transactions between businesses and people.

Working Committee participation is open to all U.S. Payments Forum members. Contact Devon Rohrer, [email protected] , for information on Working Committee participation or projects.