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Checkout shifts to software as biometrics tokenization and AI converge with SoftPOS on COTS devices replacing hardware terminals and also expanding low cost merchant acceptance worldwide

September 3, 2025 //  by Finnovate

With the widespread adoption of smartphones and tablets, the once tangible POS is being reimagined as a digital service. The dependence on smartphones and tablets has transformed traditional business transactions. SoftPOS combines traditional POS with ongoing technological advancements, creating a more digital, less physical, and more connected future. Mastercard is playing a key role in driving SoftPOS innovation. To stay ahead of rapidly shifting consumer demand, Mastercard new solutions within the POS space, with enhancements like Tap on Phone and Cloud Tap on Phone further empowering POS systems. The direction of the POS landscape is undoubtably moving toward a digital future, as online and in-store transactions converge. Alongside tokenization, the adoption of biometrics in payments is on the rise, aiming to create seamless and user-friendly transaction experiences. The emergence of AI is showcased by the introduction of ChatGPT and its remarkable growth, with these innovations highlighting the continuing rapid evolution of digital commerce in the times ahead. The future of POS is a reimagining of the payments space, with advanced technology driving ongoing innovation. Businesses should adopt these new technologies to stay ahead of upcoming trends, such as the rise of alternative payment methods and digital currencies. Tokenization’s significance for businesses and the integration of AI in transaction digitization are set to see further advancements Point-of-sale software market value grows rapidly, going from $12.2 billion in 2018 to a projected $42.5 billion in 2027.

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