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According to the boss of Apple, the next generation of children born in Britain will not know what money is.

The way we pay for things has changed more in the past 15 years than in the previous 150. Mobile payments, contactless cards, virtual currencies are all driving a revolution in how we pay

Whilst cash still accounts for about 85% of global consumer transactions, new technology means that you can shop without taking your wallet out of your pocket, send cash using your mobile phone number and even pay for your bus with a sticker.

Whilst these new ways to pay may be modern and efficient, exactly how secure are electronic payment systems and what about people without a bank account or a mobile phone?

Join Lesley Curwen and guests. E-mail moneybox@bbc.co.uk now or call 03700 100 444 from 1pm to 3.30pm on Wednesday.

Panel:
Neil Aitken, Payments UK
Paul Horlock, Head of Payments, Nationwide.
Matt Hammerstein, Head of Customer and Client Experience, Barclays
Kebbie Sebastian, Managing Director, Penser Consulting

Presenter: Lesley Curwen
Producer: Alex Lewis
Editor: Andrew Smith.