The nature of transactions is changing at an amazing rate. New models are emerging (and converging) in the way banking, finance, retail, communications and transport interact with people and money. Mobile payments, smart cards, contactless cards and tickets, digital wallets, digital IDs—and digital pickpockets. Loyalty points as money. E-commerce, m-commerce—now f-commerce? And that’s today. What's next? Cloud-commerce? This week's guest is described as “one of the world’s leading experts on digital money,” an “uber-techie," and “a grade-A geek." He's Dave Birch of Consult Hyperion and you wil
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