Consumer expectations are evolving fast. Digital, social and demographic trends have pushed retailers into experimenting with a mix and match of new endpoints. More change lies ahead. The net result? The way we pay will continue to evolve. The smart retailers will be the ones leading the change, rather than reacting to it. The road ahead is never crystal clear. But retailers looking to protect their positions or to grow can prepare for success by adopting a best-in-class retail platform that encourages innovation, lowers costs and delivers against a whole host of other business objectives.