Capgemini released its annual World Payments Report in conjunction with RBS this past week at Sibos. The report, which tracks worldwide payments trends, found that non-cash payments increased 8.8% to 307 billion transactions in 2011, and predicted that number increased 8.5% to 333 billion transactions in 2012. That increase was driven by big upticks in non-cash payments in emerging markets. Additionally, a wide variety of payments forms, including credit cards, mobile payments and prepaid products, contributed to the growth in non-cash payments. Here we look at four factors featured in the report that are changing how payments are made around the world.