Payments is perhaps the area of finance where we’ve seen the most innovation and the most intense competition. In only a few short years we've gone from chip and pin, to contactless, to mobile payments, to immediate cross boarder payments.  And yet amongst all this innovation and convenience, companies are striving to make the payment process more seamless, immediate, secure and affordable. We recently had the opportunity to speak to Johan Strand,CEO of Swedish Payments frontrunner Zimpler, to understand what lies ahead in the payments space and how fintechs continue to disrupt this intensely competitive industry. Learn about how a payment infrastructure that enables account to account transactions could significantly improve payments by removing unnecessary steps along the value chain, creating jobs, economic growth and more value for consumers, merchants and payments operators, in a way that challenges the hegemony of cards we have all come to rely in.