15 - Payments isn’t just tech. Rob Darby, IDT Finance on 20 years in fintech

Twenty years ago, fintech looked completely different.Before smartphones, instant payments and digital wallets, payments relied on cheques, manual reconciliation and physical currency.Rob Darby from IDT Finance joins tell.talks to discuss how the industry evolved from prepaid cards into modern fintech, why consumer expectations changed everything, and why strong foundations still matter in an industry obsessed with speed.We also discuss:how the payments landscape changed after the iPhonewhy disruption alone isn’t enoughthe importance of timing in fintechhow partnerships create longevityand what 20 years in payments teaches you about building sustainable businesses