Great inventory of emerging opportunities as well as issues in conversational commerce, Chris. About payments, you’re right that Facebook Messenger and other chat apps do a good job of providing a payments mechanism. Another low-barrier-to-adoption way could be for the bot platforms like Telegram and wit.ai to include payments API’s for the more ubiquitous mechanisms, e.g. Apple Pay, Paypal and Google Pay.
Rather than entering your credit card info in each chat app, an OS-level mechanism like Apple Pay could potentially be enabled across all interfaces including bots, apps, browser, wearables and any other user interface that could benefit from payments. Not to mention the fact that biometric authentication makes such *Pay’s some of the most secure payment mechanisms out there.