Recent years has seen an explosion in mobile wallet-based payment solutions offering real convenience to consumers, with a number developing into super apps. Digital currencies create a real threat of disintermediation and new regulation such as Open Banking is increasing competition. There have been huge disruptions in e-commerce and point-of-sale (pos) payments with new value propositions delivering seamless experiences and displacing cash. IoT technologies- watches, fridges, cars, smart speakers-are creating multiple payment opportunities and transforming the payment experience. The growth of electronic transactions is accelerating. In this session, industry experts will review the key developments and discuss what’s next for the future payments.