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Buy Now, Pay Later (BNPL) and blockchain are some of the many developments transforming the way consumers pay for goods and manage cashflow. Grab a coffee, and kick back with our short podcast in which Citizen's CEO, James Neville, discusses the latest innovations in payments with personal finance reporter, Georgie Frost, and they cover these key questions:

• Are all of the innovations in payments important and useful?
• How are new technologies emerging from open banking and AI defining the way we transact?
• What are their advantages and disadvantages for the everyday consumer?

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If you've got a question about payments, we'd love to hear from you - and to learn more about how Citizen’s instant cardless payments transform the way people pay, watch this demo.