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Retail brands are facing no less than a complete reimagining of what it means to be a consumer by 2030, according to a fresh report from The Future Laboratory in partnership with Afterpay. It’s a near future requiring commerce to not only recalibrate around community, values and experience, but necessitates empathetic technologies and systems that operate in the service of people, not transactions or zealous CFOs, according to e&s customer experience chief, Barry Mowszowski, plus futurist and academic, Dr Catherine Ball, speaking at an Afterpay event last week. It’s also going to mean rewiring outdated financial systems and processes that are increasingly shutting down access to credit to ensure they can deliver solutions rather than create more problems for consumers, agreed fellow panellist, Mark Bouris, the founder of Wizard Home Loans, executive chair of Yellow Brick Road, and recognised financial and business commentator. Mark Bouris AM Mentored Studios

Solving the future consumer commerce equation: Active community, accessible credit and AI connection are all musts for retailers, say CX, finance, payments and academics – and lead to a more human approach | Mi3

Solving the future consumer commerce equation: Active community, accessible credit and AI connection are all musts for retailers, say CX, finance, payments and academics – and lead to a more human approach | Mi3

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