Loan and payments company Latitude Financial predicts mobile apps will replace cards "in the medium term", once the major banks all roll out digital payment options. "We know our customers want these features, and that they will deliver a superior payments experience for them," Jess Aloi, Latitude's general manager, cards partnerships, told BPay's Banter website.Latitude Financial is the rebranded Australian and New Zealand consumer finance business that was sold by GE Capital to Värde Partners, Deutsche Bank and KKR in late 2015. It supplies personal loans, credit cards and insurance to 2.5 million customers and its products include Gem Visa, GO Mastercard, 28 Degrees Platinum Mastercard, MYER Card and MYER Visa.Along with the launch of mobile payments via Apple Pay - to be followed soon with Android Pay and Samsung Pay - Latitude also launched a wearables payment product in July with its GO Mastercard, in partnership with Harvey Norman. Latitude is also participating in a pilot with Transport NSW, where customers with one of its Mastercard products can tap and pay when they board a ferry, instead of using their Opal card, BPay Banter has reported."The game for issuers is the same as it ever was - if you want to defend and grow, you have to create products that customers love, and increasingly that also means digital experiences that are amazing," Aloi said.