Position papers
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06 Mar 2026

MaaS Alliance and Endava publish new whitepaper on Open Payments

Open payments
Mobility as a Service integrates various forms of transport and transport-related services into a single, comprehensive, and on-demand mobility service. To be successful, these platforms must provide aggregated access on demand to a range of transport modes from one digital interface, covering the maximum amount of ground. This allows users to plan and pay for journeys as packages of rail, bus, scooter, bike, taxi, car rental, and ridesharing options.

For this to be viable, the end-user experience of paying for multimodal journeys must be nearly effortless.

Imagine a journey between two nearby cities that spans a bus, a train and a hailed cab ride. If passengers must produce separate tickets for the bus and the train, before then having to reach for their wallets again to pay for the taxi, it becomes one more reason to opt for the  convenience of their own car.

As a proposition, MaaS will win market share on the strength of its payment architecture across all transportation modes. This paper sets out the current candidates for MaaS’s optimal payment model, the present difficulties in establishing MaaS as a credible challenger to car use, and how the industry should respond to these obstacles.

About Mobility Alliance

The Mobility Alliance is a public-private partnership working to establish the foundations for building a common approach to MaaS and unlocking the economies of scale needed to support the successful implementation and uptake of MaaS globally. The Mobility Alliance’s vision is to facilitate an open mobility ecosystem that benefits users, societies, and the environment.

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