As recovery continues, we look into the future of retail and the payments landscape in this episode. With data from our forecast, Robbie and Callum explore trends for the coming year through a bull and bear view, and the next generation of payments - open banking. Open banking seems to tick all the boxes, but what is behind the lack of growth? We look at how the concept is currently implemented in Europe; how it can change the payments environment; and the roles merchants, consumers and issuers play in the lack of popularity.