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Education

Payment processing – stay cryptocurrency include minimal processing fees, no sales taxes,
ahead of the curve discrete purchases, convenience and security. More than 1,500
cryptocurrencies are now in circulation, with bitcoin the largest.
Kiosk payment options will continue to
evolve to provide ever greater convenience. Time will tell if this is a passing fad or an evolving, sustainable form of
Having a smart kiosk today will enable currency. Major companies accepting bitcoin today include Microsoft,
businesses to quickly adapt to new payment Overstock, Shopify and cheapair.com. Early adopters of cryptocurrency
methods such as biometrics, PIN on glass may gain a competitive edge, but widespread adoption of this form of
and cryptocurrencies as they become currency is not on the immediate horizon.
available for widespread market adoption.
Payment technology continues to evolve rapidly and will be dictated
According to The Data Point, 74 percent of by the demands of consumers. Adopting innovative technologies,
customers will consider switching brands if such as the smart kiosk, can better position a merchant to quickly
the ordering process is too difficult. And a respond to and capitalize on new growth opportunities and changing
recent Viewpoint Consumer Survey found customer expectations.
that 80 percent of Americans favorably
support biometrics payment technology.
Dinesh Saparamadu is CEO and founder of Applova Inc., CEO and founder of hSenid
Biometrics rely on body measurements and Group of companies, and chairman of the board of PeoplesHR. At the forefront of res-
uniqueness to process payments. The most taurant technology, Applova, www.applova.io, delivers innovative kiosks and mobile
recognized today are fingerprints and app-building platform technology. The company is also a trusted partner for merchants
facial recognition, but retina scanning and seeking to provide an exceptional experience for customers while fueling growth for
voice recognition are also being tested in their businesses. Email Dinesh at dinesh@applova.io or follow him on Twitter at @
consumer and industrial applications. applova_inc.
We use fingerprint technology today
to unlock our iPhones and download
apps from the App Store. It is a logical
progression to use fingerprints for payment
at kiosks. Imagine paying with a smile. emsagent.com
Facial recognition technologies would
enable kiosk payments to be authenticated
from an image of one's face, eliminating
the need to remember lengthy passwords.
Facial recognition payment systems will be Cryptocurrency
available for widespread market adoption
in the coming years.
Accept payments of the future today.
PIN on glass technology involves entering
user PINs directly on the glass of a mobile Cryptocurrency Processing with EMS allows a
device, kiosk, tablet, etc. This can help customer to pay in crypto, while we fund the
reduce the required payment processing merchant in dollars. We process the funds quickly
hardware for merchants, as well as the and securely, so merchants never have to worry
overall cost of card acceptance. PINs about how to handle crypto payments.
will not just be unique to debit cards;
many credit card issuers are considering Trust Electronic Merchant Systems to help you
replacing signatures with PINs due to stand out from the competition.
the authenticity issues encountered with
customer signatures.

PIN on glass technology can transform
mobile devices, kiosks and tablets into full-
featured POS systems. While common in
Europe, PIN on glass technology is in the
early adoption phase in the United States. 866.272.5247

Cryptocurrency is a digital currency
designed to work as a medium of exchange
for goods and services. The benefits of

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