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For the first time, we’re in a consumer-driven world. We once did our banking with whoever had the nearest branch and we shopped with whoever had the best price or with the local store. Things have changed. Consumers are now in control, driving demand for slicker, more convenient, more personalised services across retail, commerce and banking. All businesses must now remain agile and quick to adapt to customer demand - or risk their own survival.

It’s strange to think that 20 years ago, payments didn’t really exist as an industry in its own right. Fast-forward to the start of this decade and it’s a very different story – payments, banking, fintech, commerce (and much more) are all part of a thriving, complex, interwoven ecosystem.

Ahead of International Women's Day, our Executive Vice President Maria Nottingham lets us in on a typical day in her busy work life

HSBC’s Brian McKenney, Compass Plus’ Paul Chandler and host, Doug Mackenzie, discuss the future of payments. Together, they diagnose some of the problems banks and payment platforms faced earlier in the pandemic and look at how the industry learnt from these.

2020 really has been the year that no one expected. Whilst the COVID-19 pandemic swept the globe, there were other topics that kept us talking, distracting us as much as possible from the global lockdown.

As 2020 comes to a close, we asked our payments professionals worldwide about the changes they have seen this year to the payments industry, and how they envision these changes might shape the future.

In this edition of our Podbyte series we discuss super apps. From their success in the East and whether this can be replicated in the West, Kirsty Berry, Head of Global Marketing, and Bethan Cowper, AVP Market Development and Business Support, also weigh up the benefits of onboarding with a successful payments super app, versus developing your own.

Since the first appearance of electronic payments and subsequent birth of the payments industry, we have seen a number of monumental shifts driven by the requirements that each new ‘era’ has presented.

What does it take to become a successful payments super app, and consumers' 'go-to' app?

Scott Lane, Business Development Director at MobiCash, discusses the difference between a more simplistic mobile wallet and a payments super app, and what it takes to build a successful payments super app that will be the 'go to' app of choice.