Hopefully in 2022, we will have overcome the main challenges caused by Covid-19 pandemic. The crisis has changed a lot in payments, accelerated e-commerce and fueled (mobile) contactless payments. In addition to this, many players are prepared to look beyond traditional payment methods. The ECB has started exploring the digital Euro, the EPI has launched its activities to strengthen the European payment sovereignty. VISA and Mastercard are investing more in companies active in account-to-account payments and value-added services. Additionally, technologies such as Click-to-Pay and Secure Card-on-File technologies based on tokenization are expected to grow.