Worldline has published a mobility payments white paper outlining eight significant trends that underpin how agile payment solutions can deliver smarter, more sustainable experiences. 1) The ever-growing wave of new digital payment options and the need to moving beyond cash and proprietary smart cards to bank-issued contactless cards and mobile wallets. 2) The development of multi-modal and integrated ticketing points to a future where planning and payment for bus and train, e-scooter and ride-share can happen in a single unified environment. 3) The transition from fixed commuter passes to Pay as You Go (PAYG) and Account-Based Ticketing (ABT) caters to changing work habits, offering travellers flexibility and convenience while providing Transportation Authorities (TAs) with valuable data on demand patterns. 4) Open payments systems promise frictionless travel by enabling the use of credit and debit cards at fare gates, reducing barriers to entry for tourists and infrequent riders. 5) Data-driven service optimisation and personalised marketing help TAs enhance efficiency, improve route planning and engage riders with targeted offers. 6) Self-service terminals maintain their importance by catering to passengers who still prefer physical payment points while also evolving through the incorporation of touchscreens and contactless modules. 7) Sustainability remains a central goal with green initiatives, loyalty rewards and carbon tracking tools being integrated into next-generation payment platforms. 8) AI is being deployed to transform many aspects of public transportation, especially in enhancing customer service, improving operational efficiency, boosting engineering effectiveness and adding new layers of safety and security. 9) In particular, the white paper findings indicate that companies are more likely to invest in applied AI than in other leading-edge technologies.