South Africa, April 29 -- Moodley was speaking at the release of the 4th edition of the Discovery Visa Spend Trend Report where she outlined six key trends from the Report.

Six key trends

Digital becomes option one

Digital has become the first option that consumers are using, and this is largely driven by the fact that it's available, it's safe and it's widely accessible.

"We do see consumers still using cash for certain use cases, such as tipping or taxi payments, But when we look at the broad broadly consumers, if digital payments are available, they are choosing to use it."

She says that digital wallets now account for 30% of all in-store transactions - a phenomenal growth over the last three to four years.

Her question is, how d...