The 2016 CNP Expo in Orlando, Fla. ended Thursday having hosted the most attendees overall and the most merchant attendees in its five-year history. Today’s CNP Expo Session Room recaps will be the final ones from this year’s event. Thanks to all who attended and we hope to see you next year.

CNP Expo Session Room: The State of CNP Payments The final session of a conference doesn’t have to be a slow, quiet wrap-up, as a Thursday morning session on the current state of CNP payments showed. Rick Love, product manager for FEXCO kicked off the discussion by noting “the last five years up to right now in payments, both in card-present and card-not-present, [have been] a period of extreme disruption.” This is due, he said, to rapidly changing technology and the implementation of new regulations in many markets around the world.

The next five will see even more improvements around authentication and a more secure enrollment process for online and mobile channels, predicted Manish Nathwani, vice president of network products and enterprise architecture for SHAZAM. Claude Clausing, vice president of card-not-present at Elavon, agreed and predicted an increased focus around biometric authentication.

“While that’s going on,” Clausing noted, “securing the enrollment process will be key as well. In each of those interactions, consumers want to spend money in the easiest way possible. Trade-offs between security and convenience will continue to be discussed. We’re going to see more disruption in mobile wallets, and they will get sorted through based on the consumer dictating off of those factors of security and convenience.” He remarked that even now, the trend is that “breaches we continue to hear about seem to be less card-oriented and more personal data-related.”