Worldline’s white paper outlines the rise of autonomous IoT payments, driven by digital transactions, AI, and 38B+ connected devices. IoT payments shift from human-triggered to device-triggered, enabling frictionless and invisible experiences like EV charging, smart retail, and pay-per-use models. Payment models span card tokenization, instant bank transfers, and digital currencies. Challenges include device authentication, fraud prevention, consumer trust, and evolving regulation for object-initiated transactions. Enablers include 5G, AI, blockchain, and secure device lifecycle management. IoT payments will accelerate sharing economy, mobility, and smart city platforms.

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