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Removing Friction
The Future of Payments
Nick Holland
Retail Payments Practice Lead

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33. © 2014 Javelin Strategy & Research, a Greenwich Associates LLC company. All rights reserved. No portion of these materials
may be copied, reproduced, distributed or transmitted, electronically or otherwise, to external parties or publicly without the
permission of GA Javelin. Licensors may display or print the content for their internal use only, and may not sell, publish,
distribute, re-transmit or otherwise provide access to the content of this report without permission.
Javelin Strategy & Research provides strategic
insights into customer transactions, increasing
sustainable profits for financial institutions,
government, payments companies, merchants
and other technology providers.
The Future of Payments Thank you.
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Nick Holland
Payments Practice Lead
nick.holland@javelinstrategy.com
Twitter @nickster2407