In an era of unprecedented change on all fronts payment providers face a growing array of complexity in terms of infrastructure, technology, regulations, and end user demands.  Considering this, its important to take a step back and assess what these trends mean longer term and what might the future payments landscape look like and what does this mean for today’s payment providers. With a focus on major payment infrastructure and technology initiatives building on the adoption of real time payments, including cross-border initiatives like P27 and Swift’s gpi, ISO20022, as well as broader trends in digital transformation, cloud driven services and an increasingly connected data rich world, this presentation will look at what the developments of today mean for the payments world of tomorrow.