Payments are about to have their Uber moment. You would be amazed by the complexity behind a payment, not only is it complex, it’s slow, unreliable, restrictive and costly. A cross-boarder payment can cost over 5%, take days and only 99% reach their correct destination. We haven’t even touched on new payment types and accounts. With over a billion a day from the larger banks and values in the tens and hundreds of billions there are some big gains to be had across the board. Who will lose, who will win, how will it be done??? John Davies, previously head architecture at Visa Inc., will give you plenty of insight.