If you want to know what the future of finance looks like, head east, where it’s already been laid down in China. Digital payments through mobile phones are ubiquitous, and there is incredible innovation around lending, investments and digital currencies that are at the vanguard of global financial innovation. Take the cover photo of this article: At Alibaba, facial recognition software identifies customers at the employee cafeteria, while visual AI identifies foods on their tray and calculates a total bill — all pretty much instantly. Given some of the big…