Smartphones have taken over many other functions from other devices, including, most recently, most people’s wallets. Is the end of the credit card nigh, Stuff editor-in-chief Toby Shapshak asks Nedbank CIO Fred Swanepoel. After years of rapid progress, fuelled by the Covid lockdown, how we pay has changed, as has the ways banks themselves are operating. As ever, cybersecurity remains one of the biggest trends this year. Read more on Stuff.