Less than 13% of smartphone users in Germany will use proximity mobile payments this year—one of the lowest rates in Europe. User numbers will increase slowly, but privacy concerns and the popularity of cash and card payments will curtail adoption.

Growth in proximity mobile payment use in the UK remains slow but steady. Against a strong headwind of contactless card use, mobile payments have struggled to take hold, though young consumer use offers a glimmer of hope.

More retailers are investing in biometrics, including behavioral tracking and facial and voice recognition to not only improve store security—and potentially catch shoplifters—but to also target consumers with promotional content.

Biometric technology may soon give marketers the opportunity to learn more about their customers and deliver personalized messaging. While this could be a potential boon for business, it also has major privacy implications.

Nearly half of consumers surveyed by Paysafe said they’ve used biometrics—typically based on facial recognition technology—to make some form of payment.

This report provides an overview of the most important technology at CES 2019 and what it means for marketers, now and in the future.

Voice-activated technology is in the early stages of development, but it has the potential to change the way healthcare brands, providers and patients interact—eventually making the healthcare system more efficient and effective.