ApplePay starts from a base of 8 percent already using it. However, use will boom as 30 percent plan to add it within 12 months and 18 percent in one to three years. ApplePay's growth has been limited by the lack of terminals that can support contactless payment via Near Field Communications. Probably more important is that 63 percent of retailers rank payment security as their number one priority. The largest growth area for security will be from moving to EMV-based transactions, based on credit cards that contain a chip. That method has a 10-percent installed base, but 65 percent plan to add it in 12 months and another 16 percent within three years. End-to-end encryption with 35 percent of respondents has been the major choice for security and 45 percent will add that this year. Tokenization will also boom with 40 percent joining over 12 months the 33 percent already doing so. BRP conducted the survey in November and December by contacting more than 500 retailers in the United States, utilizing an online system to record results. The survey also showed movement towards the much-talked-about omni-channel world. Twenty-four percent said this year they have omni-channel integration, compared to 14 percent in last year's survey.