"Multiple-application smart cards and BYOD solutions will prove to be crucial elements in enabling convergence with other applications including payments or ticketing," said Jonathan O'Flaherty, Research Analyst at ABI Research. In addition, technology coexistence is driving new innovative and personalized services. "Market convergence is the natural evolution of the smart card market; be it from a payment, transport ticketing, or ID. As such, using an access credential as the enabling identifying anchor point can lead to large-scale multi-application service enablement," O'Flaherty added.