POS level consumer insight data can be read from card schemes networks ofcourse with consent from cardholders and merchants, shopback is doing it to some extent in asia. Building loyalty and membership scemes on top of the data is a great value prop for merchants and issuers
The future might be passwordless, Meet Face ID and Touch ID for the Web | WebKit, with a layer of 2FA otp, under unusual circumstances driven by users access patterns, will lead to a secure frustration free world https://t.co/UoC1JjsPK9