Study: Internet of Payments (IoP)

M2M payments are coming – it's high time to prepare

Machine-to-machine payments are one of the most pressing future topics for financial service providers. In the study "Internet of Payments", PPI AG has analysed challenges, opportunities and risks of this new type of payments from the perspective of payment service providers. This is the first Europe-wide detailed study on the subject of payments in the Internet of Things.


75 billion devices could be digitally interconnected by 2025. For the Internet of Things (IoT) to develop its potential, direct transactions between machines without any human intervention are a mandatory requirement. This means that the European payments market is about to undergo a major upheaval. Financial service providers must prepare themselves now if they want to play an active role in this future market.

The "Internet of Payments" study provides an overview of the possible dimensions of M2M payments and shows the areas in which payment service providers must now become active. The clock is ticking!

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Key findings of the "Internet of Payments" study summarised:

The groundwork for the future of payments is being laid now, not years from now!

  • Demand M2M
    The demand for self-paying machines is high and continues to grow. However, the potential of the Internet of Things can only be exploited if the devices can also settle payment transactions among themselves.
  • Prerequisites M2M
    The prerequisites for the introduction of M2M payments are a clear legal framework and the creation of machine identities.
  • Challenge M2M
    For payment service providers, the implementation of M2M payments poses major challenges such as security issues, digital onboarding, compliance checks and payment identification.
  • M2M Transaction
    M2M payments will lead to a sharp increase in transaction numbers – in the euro area alone, PPI expects at least 85 billion additional transactions by 2025.
  • Operation area M2M
    Digital money such as stablecoins or e-money is particularly suitable for M2M payments. Of the classic methods, instant payments are the most suitable.
  • Payment service provider of the future
    Payment service providers must decide which role they want to play in this market in the future: that of a provider of data-based business models or that of a pure infrastructure provider.
  • IoT ecosystems
    At the same time, complex IoT ecosystems are developing in some industries. To remain competitive, payment service providers must adapt their sales structures and service portfolios accordingly.
  • IT infrastructure
    With the establishment of M2M payments, the functional and technical requirements for the IT infrastructure of payment service providers are increasing considerably. They must be available without interruption, process very high loads and be able to distinguish between machine and non-machine payments.

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Michael Titsch


Michael Titsch
Managing Consultant

+49 160 90106088

Anja Kamping


Anja Kamping
Managing Consultant

+49 160 97983948

Further information to download