David Birch (author, advisor and commentator on Digital Financial Services) is an internationally-recognised thought leader in digital identity and digital money. I talk with him about the digital identity and payment trends across the world. Who are going to be the providers of digital identity? What is going to be the role of governments & banks? What threat are Amazon, Alipay and so on for them? The most important battle in payments is verifying the digital identity. If you know who everybody is, payments is just bookkeeping. How does that go together with the privacy of people? What about iDIN?