The emerging markets are sort of building on the shoulders a giant and they’re going straight to the phone-based payments, digital payments, fast payments right from scratch, right from the beginning of their electronification of payments. What will the customer experience in payments look like in five to seven years? In this VISION by Protiviti interview, Nathan Hilt, Protiviti managing director, interviews Dwolla CEO Dave Glaser about the future of payments and how emerging technologies and the new infrastructure that emerges, ultimately, will transform the overall user experience in payments.