If we talk about trends, then there are really a lot of interesting things happening now. NFC is already actively used for contactless payments. It is very convenient, and it has already become familiar to many people. But deeper changes come with the development of blockchain technologies. They can significantly enhance the security of payments, make them more transparent and reduce dependence on traditional banking systems. Blockchain is already being implemented on various platforms, and one example is https://messengerbank.io/, which uses blockchain to simplify and speed up financial transactions. QR codes are also not a completely new thing, but they are gaining popularity, especially in Asian countries. In China, for example, you can pay for almost everything through QR codes: from groceries to government services. This is a convenient and fast method that can become even more widespread in other countries.