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Perhaps is good time to migrate to use digital secure remote payment and EMV 3DS2.0 for online transaction. 

Cool ! Virtual bank accout shall abe to provide faster processing and better UX to end user, and make banking more flexible and dynamic which eventually encourage more actitivity in banking industry. 

The medical devices and data could be used for the biometric skimmer. I believe is time to secure the medical device 's data and processes. 

The HCE based digital wallet opened the way for in-store and in-app payment, if the technology populated correctly it could even able to converge the internet and physical payment by using single on-device digital wallet (with holding multiple payment scheme). In this on-device era, user can do commerce anyway and anytime, and at the same time able to connect to internet to get latest information before their commercing decision. Now, what i think the backend processing really need to catch up to allow faster or near to real time transaction to allow money movement more efficent yet secure and conply to AML. Since mobile payment allow user to transact fast at the front end, but backend yet still too complicated, slow, too many layer or  channel processing before the online authorization approval,  then it will not favour the digital finance evolvement. It will be very cool, if once the online authorization approved, the money shall 'transferred' to payee account in subsequence 5 minutes rather than per day clearing process. Increase speed of transact at frontend and backend  could open up tremendous business models... WM2C, B2C C2C and etc.

Milos, total agreed with you idea. I think with recent the rise of the HCE as the prefer solution for mobile payment, this really kick off the mobile payment industry. HCE-ESE or HCE-Cloud is consider Card Present transaction for the in-store payment. In this case, i would say why not use the card present chip based emv cryptogram to service the in-app payment as well. By doing this, it provider more secure transaction for internet payment, furthermore the most important impact for me is, it can provide better UX to end user. Prior art, user always need to "add payment card - PAN + CVV2 + expiry date", many many in to the in-app wallet. If now A single digital wallet able to directly to link to any in-app via API (with multiple payment application) then this really able to provide factionless UX to end user when come to internet payment space. I guess international payment scheme cloud based payment - DSRP could be talking about all this. I foreseen the coming trend will be on-device digital wallet that able to converge both payment space; physical and internet by using the same wallet and same payment technology...