So think mobile first but don't think of mobile standalone.
The customer's journey to digital starts with the payment account. Once banks hold the primary credit and debit card relationships, their customers are more likely to take out other products, including digital products.
At Visa we see it this way: a Visa card is no longer just a card; it's a Visa account that is also used in the digital world. What this means for banks is that the goal is no longer top of wallet but top of device, platform and merchant.
The Australian banking industry is in a race for the digital account. In order to keep pace, investments in all aspects of the customer experience, from branch to mobile, have to come together to meet the expectations of the new digital customer.
Stephen Karpin, Group Country Manager, Visa Australia, New Zealand & South Pacific.