New IoT-based payment services are poised to revolutionize the customer journey and the relationship with banks and retailers. When will this technology be efficient? How will IoT improve the knowledge of customer behaviour and customer journey? How to preserve and avoid that these objects become too invasive and cause a rejection of the customer? How to convince customers to download the associated applications or install the devices and then accept the use of their data? The panel will debate answers to accelerate the go-to-market and encourage IoT payments adoption.