Innovation Description Impact
Biometric Payments Transactions authenticated via fingerprints, facial recognition, or retinal scans. Enhances security and eliminates the need for physical cards.
Voice-Activated Payments Payments initiated through smart devices using voice commands. Increases convenience and accessibility for users.
Invisible Payments IoT-enabled systems where transactions occur automatically in the background. Reduces friction, especially in subscription-based services.
Peer-to-Peer (P2P) Lending Blockchain-enabled platforms offering secure and transparent lending options. Democratizes borrowing and lending.
Tokenized Assets Fractional ownership of real assets like real estate or art through tokenization. Expands investment opportunities for smaller investors.