Ever driven to the store but forgotten your wallet? No worries: MasterCard is making it so that you can pay for your purchases through your car key fob.

The company — which has entered the business of supporting payments across all devices with its MasterPass technology — has already experimented with embedding secure chip payment within GM key fobs. And according to Karen Pascoe, head of user experience at MasterCard, the ability to incorporate chip technology in just about every object will be a huge part of the personalized future of commerce.

“We’re in the business of enabling consumer experiences as part of the broader evolution of digital, period,” Pascoe said, presenting at Mobile Moments in a session entitled Mobile Commerce in the Age of Connected Devices. “It’s about using the payment capabilities that we have [to surprise] and delight consumers.”

Growing Acceptance

Pascoe acknowledged that mobile payments have progressed in a “two steps forward, one step back” manner within the U.S. Security concerns — as well as simply a lack of familiarity with chip technology — has plagued adoption, and it is likely that some consumers will prefer to stick with the payment methods they know.

But there is room for diversity within the payments space, as other countries have proved.

“It’s not yet the hottest thing in the U.S., but it is in the U.K., Australia, and more,” Pascoe said. “But as Uber and other mobile and in-app payments become more and more widespread, consumers are becoming used to this kind of buying. Brands that build immersive mobile web experiences, [encouraging purchases] there, will help with this.”

Essentially, Pascoe holds that consumer familiarity with digital payments for on-demand services will ultimately make customers more comfortable with using such payments in physical stores. From there, the sky is the limit when it comes to paying with connected devices — and MasterCard seeks to make the method of payment truly personal.

Personal Payment Options

MasterCard has already announced its intention to rollout “selfie pay” this summer. As for other more personal payments, the company has a few in the works.

The chip-embedded GM key fob is one. Pascoe also revealed that MasterCard has invested in companies that are pioneering new ways to turn everyday items into commerce-enabled wearables.

One such example is Ringly, a company working to put secure payment technology within rings. This way, a customer could do things like pay for groceries or even enter public transport systems with (literally) a tap of the ring-wearing finger.

Essentially, MasterCard’s new goal is to make the connected payment space seamless and custom, enabling consumers to pay with basically any item or device they feel comfortable using. And, of course, this must happen with the upmost security; MasterPass takes a multi-layer approach that includes issuer verification, card tokenization, and more, and will continue to innovate to make it so that users feel safe.

“That’s the ‘unsexiness’ that makes all the sexiness of contactless payment possible,” Pascoe concluded.