By creating what is essentially a digital commerce passport for consumers, Visa is integrating identity solutions with payments to establish the issuer’s mobile banking app as the consumer’s digital commerce hub. Mark Nelsen, Visa’s SVP global head of consumer payments, sat down with PYMNTS’ Karen Webster before the public launch of seven new consumer products, including Pay by Bank, that are the cornerstones of this digital commerce experience for issuers, merchants and consumers.