Fintech companies Betterment, PayScout, Clinc, & MoneyLion have easy-to-use shells to provide personalized services to the underbanked. Robo-advisors from Blackrock & unattended retail options from Diebold Nixdorf & USA Technologies proved automation can make purchasing cheaper, more efficient, & more interesting. NXP’s new semiconductors will make an Internet of Payment-Enabled Things a reality.