As the deadline for GDPR approaches, guest speaker Michael Moore from Wirex explains and demystifys GDPR to Robert and Suresh once they get permission to introduce him. Can distributed ledger technology actually help or hinder GDPR? What does the "Man on the Street" know about it and what action do they need to take?

Robert and Suresh welcome the head of the Emerging Payments Association Tony Craddock (TC) who explains what the EPA does and how he sometimes likes to upset its members! Questions from the "Bin of Confusion" include: How can we trust fintechs if we can't trust Facebook? Explain Open Banking in 10 secs? The "Man on the Street" is asked what Open Banking means to him with some varying responses.

Our new series starts with a discussion on physical cards. First up: How long will it be before plastic cards are a thing of the past? Suresh tells Robert that cards are still increasing inspite of mobile phones and wearable technology. Are the schemes already irrelevant with PSD2 and what technology will merchants want to use in the future and how will AI change payments?