Online payment transactions can be incredibly complex and time wasteful for both retailer and consumer; but that part of the checkout process can also bring massive opportunities. The Fintech Ecosystem has at the moment the resources and the technology to create platforms able to improve customer experience, drive loyalty and collect valuable data on customers, not to mention save the retailer and customer precious time and money. But consumer trends change at such speed, so what is it that they actually want? And how can we deliver it?