The best is yet to come: How will you shape the future of Australia's payments landscape?

It is the year 2030. Apple Pay and Google Pay have just announced their partnership. Instead of contactless payments using NFC-enabled devices, many people are using pure biometric-enabled Point of Sales systems. A quick facial scan with voice fingerprint is enough to complete a payment either in store or online. Deciding whether to pay with a credit or debit account has faded into insignificance. Many people have also enabled ‘spend smoothing products’ that adjust a line of credit for all spending and spread bigger purchases over time, based on bills and income variations.