“The greatest threat of our times” – according to a speech by Barack Obama, this is neither terrorism nor economic meltdown, but it is indeed climate change. David Lais discusses how we can use to Paytech to help solve this.

The term payment is an ancient concept. Rafi Ullah looks at the digital transformation of the payment system as we know it today.

Big Data and Artificial Intelligence technologies made profound changes to financial services. The next generation of financial technology powered by Blockchain will be an even bigger. Phil Toth talks about moving towards a decentralised payment system.

The evolution from paper gift vouchers is ongoing despite the world moving to electronic payment methods. Alan Smith talks about how to truly make a gift card digital.

For the past five years, the payments and banking industry has been in a constant state of flux. New entrants and well-known institutions are disrupting traditional services, shifting their focus to future-forward technologies in an attempt to solve the challenges of existing, incumbent infrastructure. Daria Rippingale talks about closing the gap between banking and payments.

It’s a well worn cliche that there has been more disruption in payments in the past five years, than the preceding fifty years since the dawn of the credit card. But while large tech brands and specific Fintech success stories have influenced a shift in payments thinking, very often it’s as a result of direct intervention. Rob Fernandes talk about the indirect disruption of payments – the strategists dream.

As fintechs continue to outpace banks in offering engaging services to consumers, banks need to come up with fresh ideas. Steve Lacourt discusses how banks use sandboxes and prototyping to accelerate innovation

Will API’s become the new advice products of tomorrow? Peter Smith writes about the opportunities for wealth management, investment advisory and independent financial advisers have to work in collaboration with FinTech’s and the banks to move market developments on as it becomes easier for customers to shop around for the best deals?

A common way of increasing revenue is to attract new customers, regardless of the cost, the strategy is to entice new customers with generous introductory offers. Sami Sulieman discusses affinity based loyalty in payments.

The massive amount of data generated by payments creates risks of breach and opportunity for financial crime, both where it is stored, and at the edge as it moves across systems and organisations. Mark McKeever writes about how to get the best value from payments data.