The fact that the world is changing rapidly shouldn’t come as much of a shock — though the speed and centers of change in payments and commerce might surprise even the most inveterate segment watchers. The world is becoming a smaller place, particularly for the ever-increasing mass of Chinese consumers who’re looking to access their local payment methods on a global scale. The workforce is getting younger, as millennials are displacing baby boomers and looking for new opportunities. Workplaces are having more asked of them, as they seem to be getting a bit more ethical — with a few very serious caveats. And the enabling of all this is getting smarter in concept — though it needs programming to match its potential.