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  -title: "Payments 4.0 – Reflections On the Future of Global Payments "
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  -introtext: "<p><span style="color: #000000;"><a href="financial/becoming-future-flexible-4-key-tech-investments-for-retail-banking-in-2021" target="_blank" rel="noopener">The future of banking</a> - payments 4.0 - is characterised by innovation, speed and intensity.</span></p>\r\n"
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    <p><span style="color: #000000;">While traditional payment methods are still prevalent today, the shift from paper-based to digital processes is inevitable in the post pandemic era.&nbsp;The <a href="financial/why-the-financial-services-sector-need-to-invest-in-voice-assistants" target="_blank" rel="noopener">financial services sector</a> has come to a critical crossroads.</span></p>\r\n
    <p><img style="display: block; margin-left: auto; margin-right: auto;" src="/images/Four_basic_types_of_Business_Payments_systems.png" alt="Four_basic_types_of_Business_Payments_systems.png" width="937" height="522" /></p>\r\n
    <p style="text-align: center;"><span style="color: #000000;"><em>The Evolution of Payments | Source: Mastercards</em></span><br /><br /></p>\r\n
    <p><span style="color: #000000;"><a href="companies/significance-over-success-innovation-over-change-anticipation-over-agility" target="_blank" rel="noopener">Innovation</a> is creating new avenues for connectivity and intelligence in the financial services sector.</span></p>\r\n
    <p><span style="color: #000000;">All-in-one integration with e-commerce and global banking operators is pivotal.&nbsp;</span></p>\r\n
    <p><span style="color: #000000;">Here are the key themes that are shaping payments 4.0:</span></p>\r\n
    <ul>\r\n
    <li><span style="color: #000000;">The increasing uptake and growth potential of Alternative Payment Methods, including Digital and Mobile Wallets, Buy Now Pay Later and&nbsp;Voice technology</span></li>\r\n
    <li><span style="color: #000000;">The diverse communities shaping the evolution of the payments landscape, including&nbsp;social commerce</span></li>\r\n
    <li><span style="color: #000000;">The need to be customer-centric and to re-engage with consumers using new payment methods that are seamless, secure and customised with the right option available at the right time, as well as offering more flexible financing</span></li>\r\n
    <li><span style="color: #000000;">The imperative to look beyond the technology itself, to equally focus on social listening, values, relationships and shared experience</span></li>\r\n
    <li><span style="color: #000000;">The permanency of (some) payment habits beyond the pandemic, especially the ‘opening-up’ of digital commerce to older consumers</span></li>\r\n
    <li><span style="color: #000000;">The catalysts of change, from banking and PSD2 legislation fuelling&nbsp;Account to Account Payments, to&nbsp;Gen Z&nbsp;and the rise of payments supporting purpose and the growing move towards Conscious Consumerism</span></li>\r\n
    <li><span style="color: #000000;">The importance of opening-up access to payments through financial inclusion.</span></li>\r\n
    </ul>\r\n
    <p><img style="display: block; margin-left: auto; margin-right: auto;" src="/images/Trends_Defining_Business_Payments.png" alt="Trends_Defining_Business_Payments.png" width="900" height="341" /></p>\r\n
    <p style="text-align: center;"><span style="color: #000000;"><em>Trends That Are Redefining Payments 4.0 |&nbsp;Source: Mastercards</em></span></p>\r\n
    <p>&nbsp;</p>\r\n
    <p>The payments landscape is clearly so much more than transactions alone and the overriding implications for merchants and brands comes from the integration of people and technology – personalisation, engagement and experience matter.&nbsp;Exploring this further, a key talking point of the discussion was the increasing influence of the ‘next generation’ of consumers, the truly digitally native&nbsp;<a href="companies/a-strategy-to-recruit-generation-z" target="_blank">Gen Z</a>. This is a generation which is driving change, wanting and&nbsp;expecting&nbsp;more from how they buy,&nbsp;<em>and</em>&nbsp;who they buy from. New mindsets and value systems are coming to the fore and relevance, purpose and authenticity have probably never mattered more.</p>\r\n
    <p>In conclusion, recent events have clearly connected us more than ever. As we pave our way to a stronger future, commerce can bring us closer together still through our payment journeys and the way we build seamless, tailored and inclusive connections, increasingly powered by social engagement, value alignment and meaningful experience. To forge ahead beyond recovery to rebuild and optimise growth, these key themes are key to reflect whilst aligning with your specific audience and taking into consideration country contextual specifics.</p>\r\n
    <h2><strong>About the Author</strong></h2>\r\n
    <p>Prof. Sally Eaves is a highly experienced Chief Technology Officer, Professor in Advanced Technologies and a Global Strategic Advisor on Digital Transformation specialising in the application of emergent technologies, notably AI, FinTech, Blockchain &amp; 5G disciplines, for business transformation and social impact at scale. An international Keynote Speaker and Author, Sally was an inaugural recipient of the Frontier Technology and Social Impact award, presented at the United Nations and has been described as the ‘torchbearer for ethical tech’ - founding&nbsp;Aspirational Futures to enhance inclusion, diversity and belonging in the technology space and beyond.&nbsp;</p>
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    "class" => "Symfony\Component\Form\Extension\Csrf\Type\FormTypeCsrfExtension"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/form/Extension/DataCollector/Proxy/ResolvedTypeDataCollectorProxy.php"
    "line" => 95
    "function" => "finishView"
    "class" => "Symfony\Component\Form\ResolvedFormType"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/form/ResolvedFormType.php"
    "line" => 128
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\DataCollector\Proxy\ResolvedTypeDataCollectorProxy"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/form/Extension/DataCollector/Proxy/ResolvedTypeDataCollectorProxy.php"
    "line" => 95
    "function" => "finishView"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/form/Form.php"
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    "function" => "finishView"
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    "function" => "createView"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
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    "function" => "show"
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    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
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  [
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    "function" => "handle"
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    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
    "line" => 41
    "function" => "getMetadataBag"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
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  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/twig-bridge/AppVariable.php"
    "line" => 103
    "function" => "getToken"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Extension/CoreExtension.php"
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    "function" => "twig_get_attribute"
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    "function" => "renderHeader"
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  [
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    "class" => "Symfony\Component\HttpKernel\HttpCache\SubRequestHandler"
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    "class" => "Symfony\Component\HttpKernel\Fragment\InlineFragmentRenderer"
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  [
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    "function" => "render"
    "class" => "Symfony\Component\HttpKernel\Fragment\FragmentHandler"
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  [
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    "line" => 44
    "function" => "render"
    "class" => "Symfony\Component\HttpKernel\DependencyInjection\LazyLoadingFragmentHandler"
    "type" => "->"
  ]
  [
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    "line" => 207
    "function" => "renderFragment"
    "class" => "Symfony\Bridge\Twig\Extension\HttpKernelRuntime"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Template.php"
    "line" => 171
    "function" => "block_header"
    "class" => "__TwigTemplate_dc67cdc305f050f0a27ba7ef152f05af"
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  [
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    "function" => "displayBlock"
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    "function" => "displayWithErrorHandling"
    "class" => "Twig\Template"
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    "function" => "render"
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  [
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    "function" => "render"
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    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 448
    "function" => "render"
    "class" => "Twig\Environment"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 253
    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php"
    "line" => 277
    "function" => "render"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
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    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
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    "function" => "handle"
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    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
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    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]

Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN 
"*"
DATABASE_URL 
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY 
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY 
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN 
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD 
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
BASE 
"/public"
CONTEXT_DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE 
"RESPONDER"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_CHARSET 
"ISO-8859-1,utf-8;q=0.7,*;q=0.7"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_ACCEPT_LANGUAGE 
"en-us,en;q=0.5"
HTTP_CONNECTION 
"close"
HTTP_COOKIE 
"PHPSESSID=0ims3713r72qqt90dg8ib9f5a6"
HTTP_FORWARDED 
"for="3.149.253.216";host="rct.dev.bbntimes.com";proto=https"
HTTP_HOST 
"rct.dev.bbntimes.com"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
HTTP_X_FORWARDED_FOR 
"3.149.253.216"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PATH_INFO 
""
PHP_SELF 
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX 
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI 
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING 
"_path=_format%3Dhtml%26_locale%3Den%26_controller%3DApp%255CController%255CArticleController%253A%253ArelatedArticles"
REDIRECT_BASE 
"/public"
REDIRECT_HTTPS 
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_HTTPS 
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/payments-4-0-reflections-on-the-future-of-global-payments"
REDIRECT_REDIRECT_SCRIPT_URL 
"/financial/payments-4-0-reflections-on-the-future-of-global-payments"
REDIRECT_REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS 
"200"
REDIRECT_REDIRECT_UNIQUE_ID 
"Z7nR8biBoyj8JZ8-HGyDxAAAAA0"
REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/payments-4-0-reflections-on-the-future-of-global-payments"
REDIRECT_SCRIPT_URL 
"/financial/payments-4-0-reflections-on-the-future-of-global-payments"
REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_STATUS 
"200"
REDIRECT_UNIQUE_ID 
"Z7nR8biBoyj8JZ8-HGyDxAAAAA0"
REDIRECT_URL 
"/public/financial/payments-4-0-reflections-on-the-future-of-global-payments"
REMOTE_ADDR 
"127.0.0.1"
REMOTE_PORT 
"19301"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1740231153
REQUEST_TIME_FLOAT 
1740231153.1188
REQUEST_URI 
"/_fragment?_path=_format%3Dhtml%26_locale%3Den%26_controller%3DApp%255CController%255CArticleController%253A%253ArelatedArticles"
SCRIPT_FILENAME 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME 
"/public/index.php"
SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/payments-4-0-reflections-on-the-future-of-global-payments"
SCRIPT_URL 
"/financial/payments-4-0-reflections-on-the-future-of-global-payments"
SERVER_ADDR 
"5.196.1.209"
SERVER_ADMIN 
"[no address given]"
SERVER_NAME 
"rct.dev.bbntimes.com"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE 
"Apache"
SSL_TLS_SNI 
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID 
"Z7nR8biBoyj8JZ8-HGyDxAAAAA0"

Parent Request

Return to parent request (token = 06e067)

Key Value
_controller 
"App\Controller\ArticleController::show"
_firewall_context 
"security.firewall.map.context.main"
_links 
Symfony\Component\WebLink\GenericLinkProvider {#3549
  -links: [
    3670 => Symfony\Component\WebLink\Link {#3670
      -href: "/build/runtime.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3668 => Symfony\Component\WebLink\Link {#3668
      -href: "/build/644.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3667 => Symfony\Component\WebLink\Link {#3667
      -href: "/build/502.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3666 => Symfony\Component\WebLink\Link {#3666
      -href: "/build/app.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3665 => Symfony\Component\WebLink\Link {#3665
      -href: "/build/view-more.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3664 => Symfony\Component\WebLink\Link {#3664
      -href: "/build/term-condition.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3663 => Symfony\Component\WebLink\Link {#3663
      -href: "/build/contact.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3662 => Symfony\Component\WebLink\Link {#3662
      -href: "/build/scroll-infinite-article.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3661 => Symfony\Component\WebLink\Link {#3661
      -href: "/build/app.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3660 => Symfony\Component\WebLink\Link {#3660
      -href: "/build/cookie-style.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3659 => Symfony\Component\WebLink\Link {#3659
      -href: "/build/term-condition-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3658 => Symfony\Component\WebLink\Link {#3658
      -href: "/build/contact-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3657 => Symfony\Component\WebLink\Link {#3657
      -href: "/build/comment-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
  ]
}
_route 
"article_show"
_route_params 
[
  "category" => "financial"
  "slug" => "payments-4-0-reflections-on-the-future-of-global-payments"
]
_security_firewall_run 
"_security_main"
_stopwatch_token 
"c66d4f"
category 
"financial"
slug 
"payments-4-0-reflections-on-the-future-of-global-payments"