Australia and New Zealand punch above their weight in many areas. One that we have time and again set the global standard is in payments. From polymer banknotes, to ‘tap and pay’, and buy-now-pay-later, we've ushered in new products, offerings, and behaviour. So what’s next? This panel will discuss and debate how local banks and fintechs are again in pole position to lead the world in mass market adoption of innovative payments such as embedded finance and contextual payments – and not just in-app purchase, but fully embedded in our daily lives. What is the case for collaboration to build this future? Can – or even, should – it be a ‘winner takes all’ approach? Either way, it’s local innovation that can once again drive global change.