Insights Podcast: Recent Episodes
The Payments Association
This episode of The Payments Association's Insights Podcast examines how artificial intelligence has reshaped fraud, and what that means for the way firms verify who they are dealing with. As AI makes it cheap to forge documents, clone voices and fake video, the data a customer presents can no longer be trusted on its own. The conversation explores a shift towards lower-level signals drawn from the mobile network, the operator-held identity checks and SIM-swap data that are far harder for a fraudster to manipulate. It sets out what payments and fraud leaders can do to rebuild trust at the network layer.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
The Global Payments Report 2026 tracks how consumers pay across 42 markets, drawing on a survey of more than 63,000 respondents and transaction data from central banks and card networks. Now in its 11th edition, the report is one of the industry’s most widely cited sources on the state of global payments - relevant to merchants, payment providers, product developers and policy makers alike.
This episode explores the report’s headline findings across six themes: the methodology behind the data; the rise of payment apps at the point of sale and what it means for payments infrastructure; wallet fragmentation across global markets; the expansion of domestic payment systems and what that means for established card scheme infrastructure; the competitive dynamics reshaping buy now, pay later; and stablecoins as an emerging layer of B2B and cross-border payments infrastructure.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
What does fraud do to a person after the money is gone? In this Insights Podcast, Jack Robertson speaks with Dalbir Sahota, global director of trusted payments at LSEG Risk Intelligence, about the human cost behind LSEG's new global fraud research. The conversation moves past loss values to the anger, anxiety and shame that reshape how victims live online. Dal explores why digital-native younger consumers are losing money more often than older generations, how AI has shifted fraud into a different gear, and where responsibility should sit.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, Tony Craddock speaks with Kamran Hedjri and Oliver Steely about why regulated gaming operators are still treated as “high risk” by the payments industry.
They explore how outdated payment models, lower authorisation rates, and legacy merchant category codes are increasing costs and hurting customer experience, despite regulated operators often showing lower fraud and chargeback rates than other sectors. They also look at the practical steps schemes, issuers, and operators can take now to modernise the system and better distinguish regulated businesses from grey-market operators.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Host Jack Robertson, Data Journalist at The Payments Association, speaks with Gary Palmer, Founder and CEO of payall, and Ruth Wandhöfer, Founder and CEO of Leximar Advisory, about whether “trustless” money is really possible. They explore whether blockchain removes or simply redistributes trust, and discuss the legal, operational, and cyber risks that emerge as stablecoins and DeFi move into mainstream finance.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
As payments firms and fintechs scale, managing client funds efficiently has become increasingly complex. Money market funds are emerging as a practical solution that balances regulatory compliance with operational efficiency.
In this episode, we explore how these funds work, why they're gaining traction among electronic money institutions and payment service providers, and what the future holds for safeguarding strategies in the payments sector.
Joining Jack Robertson are Tara Dougherty, director of business development for the UK and Ireland at Federated Hermes Limited, and Teresa Cameron, CEO at Clear Junction.
For professional investors only. Capital at risk. This is a marketing communication.
Issued and approved by Hermes Investment Management Limited, which is authorised and regulated by the Financial Conduct Authority. In the European Economic Area (“EEA”), this document is distributed by Hermes Fund Managers Ireland Limited.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
The Payments Association sits down with ACI Worldwide’s Jeremy McDougall and Somya Patnaik to explore how the UK and global payments landscape is being reshaped by real-time technology, regulatory reform, digital currencies, and a rapidly converging ecosystem of new payment forms. With real-time payments accelerating worldwide, open banking adoption hitting record highs, and the UK embarking on a once‑in‑a‑generation modernisation of its payments infrastructure, our guests unpack where the biggest opportunities lie, and what the next decade of payments could look like.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, Jack Robertson speaks with Gabriel Lakeman and Christian McDermott of Latham & Watkins about the emerging regulatory framework for stablecoins in the UK. They discuss how stablecoins differ from other cryptoassets, the Bank of England's consultation on sterling-denominated systemic stablecoins, and what key regulatory developments firms should be watching for in 2026. They also explore the practical steps companies should be taking now to prepare as UK and EU regulatory expectations around backing requirements, holding limits, and authorisation become clearer.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Cross-border payments are no longer as slow or opaque as their reputation suggests. But progress has been uneven. In this episode of Insights Podcast, Heather Lee, global head of payment strategy at Swift, Damian Richardson, head of payments, product and schemes at NatWest, and Michelle Cowan, cash market manager for the UK and Europe at Standard Chartered Bank, explore the evolving cross-border payments landscape. They discuss how initiatives like ISO 20022, GPI tracking, and instant payment schemes are improving speed and transparency, and why challenges around last-mile processing, regulatory fragmentation, and data quality continue to create friction. The conversation also looks ahead to how greater interoperability, richer data, and emerging digital models could help deliver faster, more predictable payments for consumers and businesses alike.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
With an estimated one in five people in the UK living with a disability, providing digital services that are accessible to all is an increasingly important consideration for businesses. And with the 'purple pound' now estimated to be worth £274 billion, firms that prioritise accessibility also stand to gain a huge competitive advantage. Join our speakers Kerry Berchem from Burges Salmon, Peter Bricknell of Hassell Inclusion, Emily Carlson from KPMG UK and Miranda McLean of Ecommpay as they explore digital accessibility in payments - from relevant regulations and commercial opportunities to innovative implementations of accessible technology.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Buy now, pay later has grown into a £13 billion presence in UK consumer finance — and regulation is now catching up. Jack Robertson, Data Journalist at The Payments Association and payments expert Russell Hickman, Director at TSYS discuss BNPL’s evolution from a checkout convenience to a core credit product, the implications of the FCA’s new regulatory framework, and why banks are increasingly well placed to lead the next phase of its development. They explore customer expectations, digital user journeys, merchant partnerships and the innovations that may define BNPL in the years ahead.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Payment firms are scaling fast, but many still rely on manual reconciliations and legacy systems that cannot keep up with rising regulatory expectations. In this episode, host Jack Robertson, Data Journalist at The Payments Association, speaks with AutoRek’s Nick Botha, VP Payments & Retail Banking to unpack the FCA’s strengthened safeguarding rules, the operational risks of spreadsheets and fragmented processes, and the steps firms must take to align with CASS-level standards. The discussion shows how investing in automation and robust controls not only protects customer funds but also creates a competitive edge in an increasingly crowded market.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of The Insights Podcast, host Jack Robertson of The Payments Association speaks with Hugo Remy, CEO of Cardaq, about how financial institutions can stay ahead of fraud and regulatory challenges. They explore why early engagement with regulators is crucial for preventing compliance issues, and how the growing threat of “friendly fraud”, where customers dispute legitimate transactions, is impacting businesses. Hugo shares his vision for a UK-wide friendly fraud register that could help banks and merchants share intelligence, reduce losses, and strengthen trust across the financial ecosystem. This conversation sheds light on the balance between customer protection and business resilience in today’s complex payments landscape.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of The Insights Podcast, host Jack Robertson sits down with Marco Chardi, Senior Director of Market and Competitor Research at Worldpay, to explore the findings from Worldpay's Global Payments Report 2025. Together, they unpack what the data tells us about the rapid rise of digital payments, the growing influence of mobile as the default commerce platform, and how account-to-account systems like Pix and UPI are reshaping real-time money movement. Marco Chardi also discusses why cards remain more resilient than expected, and what the ongoing role of cash tells us about global payment preferences. With insights from 40 key markets, this episode offers a clear view of where payments are heading and what it means for the businesses shaping them.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
On this episode of The Insights Podcast, host Jack Robertson speaks with Grace Wyatt, Partner at Addleshaw Goddard, about the UK’s new FCA stablecoin framework. They explore what it means for issuers, custodians, merchants, and payment providers and how it could reshape digital payments and tokenised money.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
On this episode of The Insights Podcast, host Jack Robertson speaks with Dal Sahota, Global Head of Trusted Payments at LSEG Risk Intelligence, about the growing threat of APP fraud. They explore how criminals are exploiting AI and deepfakes, the human and business impact of these scams, and the multi-layered regulatory and operational responses needed to protect customers and organisations.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of The Payments Association’s Insight Podcast, host Mark O’Keefe is joined by Melanie Lazarus, Ecosystem Engagement Director at Open Banking, and Vasco Vaz Rodriguez, Head of Growth at Trudenty. Together, they unpack the findings of the Payments Association’s Open Banking Merchant Survey and explore the realities of adoption across merchants and consumers.
From the “meh” sentiment in early adoption, to the lessons learned from contactless and chip & PIN, the conversation dives into what will truly drive mainstream uptake—whether merchant incentives, consumer trust, or bold branding. The panel also discusses open banking’s broader promise in fraud prevention, KYC, and smart data, as well as the collaboration and innovation needed to unlock its full potential.
If you want to understand where open banking is today, what’s holding it back, and what could spark its tipping point, this is a must-listen.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, host Jack Robertson speaks with Robert Turner-Kerr, Senior Relationship Manager at iFAST Global Bank, about the evolving regulatory challenges facing cross-border payment providers. They unpack the UK’s new cash safeguarding rules, looming EU restrictions on virtual IBANs, and how iFAST is helping firms adapt through compliance-driven innovation. A must-listen for fintech leaders and compliance professionals navigating today's complex financial ecosystem.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, Tony Craddock, Director General of the Payments Association, sits down with David Geale, Executive Director for Payments and Digital Finance at the FCA and Managing Director of the PSR. They explore the transformative consolidation of the FCA and PSR, the UK’s National Payments Vision, and the evolving regulatory stance on stablecoins and open banking. With 2025 set to redefine the UK payments ecosystem, this insightful discussion uncovers how regulators aim to foster innovation, strengthen consumer protections, and ensure the UK remains a global payments leader.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, Riccardo Tordera-Ricchi, Director of Policy and Government Relations at The Payments Association, is joined by Dan Wilson and Mark Nalder from Nationwide to explore one of the most critical issues in modern financial services: resilience. They discuss how payments are evolving, why reliability is now non-negotiable, and what it takes to build resilience into systems by design.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights podcast from The Payments Association, Director General Tony Craddock sits down with Gary Palmer, CEO of Payall, to explore the sweeping changes underway in cross-border payments and correspondent banking. Gary shares hard-hitting insights from his 25+ years in the industry, highlighting why the current trust-based, manual processes are no longer fit for purpose and how technology is finally catching up.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join Gurminder Bhagrath, COO of Plane Saver Credit Union, Karen Elliott, Professor in Finance & FinTech at The University of Birmingham, and Shaun May, Director, Strategy, Sustainability and Innovation, Coutts, and Inclusion Working Group member, as they delve into the challenges and opportunities in community finance. This special episode of the Insights Podcast with the Inclusion Working Group explores innovative approaches to financial inclusion, the role of technology, and the critical need for collaboration across sectors. Discover insights from industry leaders and practical solutions to empower underserved communities and build financial resilience.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join Tony Craddock, Director General of the Payment Association, as he explores the future of payments with Paul Horlock, Chief Payment Officer at Santander. This engaging podcast explores the National Payments Vision, tokenization, open banking, and the evolving payments infrastructure in the UK. From addressing customer needs to fostering collaboration between banks and fintechs, Paul shares over two decades of industry expertise and optimism about the transformational potential of next-generation technologies. Whether you're a payment professional or curious about the future of money, this episode is packed with valuable insights and forward-thinking strategies.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, Tony Craddock, Director General of the Payments Association, talks with Peter Harmston, Head of Payments Consulting at KPMG UK. Together, they explore the evolving world of payment modernisation, discussing key findings from KPMG's latest global survey of 1,500 financial institutions and retailers. Learn about the challenges, opportunities, and technologies reshaping the payment landscape, and what this means for consumers, businesses, and the public sector. Whether you're interested in innovation, regulation, or the future of payments, this episode offers practical insights for navigating change.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of The Insights Podcast, George Iddenden speaks with Lorraine Mouat and Anthony Corner from Thistle Initiatives about the growing importance of operational resilience. They discuss how payment firms can navigate challenges like cyber threats, regulatory pressures, and system disruptions to safeguard customer trust and maintain business continuity. Learn how to go beyond compliance and build resilience for a secure and successful future.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of The Insights Podcast, we explore the fast-evolving world of cross-border payments and the crucial role of fintech in global trade. Host George Iddenden sits down with Convera's Head of Market Insights, Steven Dooley, to explore innovations like real-time payments, blockchain, and open banking. Together, they discuss why these developments are essential for businesses of all sizes and how new technology is helping to meet growing demands for speed, security, and transparency in international transactions. Whether you're in finance or simply curious about the future of money, this episode offers a clear view into the shifts shaping global commerce.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, we explore the upcoming Payment Services Directive 3 (PSD3) and the new Payment Services Regulations (PSR). These major changes are set to reshape Europe’s payment landscape, impacting everything from security measures to compliance requirements. Join us as we break down what businesses need to know about these regulations, discuss how they might affect companies and consumers, and provide practical tips for firms to stay ahead. Featuring insights from Latham & Watkins' regulatory experts, Brett Carr and Christian McDermott, this episode offers a clear guide through the changes on the horizon
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join Tony Craddock, Director General of the Payments Association, in this episode of the Insights podcast as he dives into the complex world of payments with Natasha Zurnamer, CEO and founder of Optty. Together, they explore the multifaceted challenges merchants face in the evolving payments landscape, from integrating diverse payment methods and complying with regulations, to managing cross-border transactions and safeguarding against fraud. Natasha shares her entrepreneurial journey and offers valuable insights into how retailers can stay ahead in an increasingly fast-moving industry. A must-listen for anyone in retail and fintech!
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, David Hunter, Chairman of the Board of Directors at The Payments Association sits down with Kevin Flood, Director of Payments Ecosystems at FIS. Together, they explore the rapidly evolving financial landscape, where banks are tasked with balancing regulatory compliance and driving innovation. Kevin offers expert insights into the challenges of transforming legacy systems, the opportunities provided by new regulations like PSD3, and how fintech thinking can help accelerate change. Tune in to learn about the critical role of agility in banking transformation, the impact of digital payments, and how to turn regulatory demands into a competitive advantage.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode, Tony Craddock talks with Nick Kerigan, Managing Director and Head of Innovation at Swift, about the current developments in global payments. They cover the rise of new payment methods, the role of technologies like CBDCs and tokenised assets, and the challenges of achieving interoperability in a decentralised financial system. Nick provides insights into how the payments industry is adapting to these changes and identifies key trends that will influence the industry over the next decade.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of Insights Podcast, Tom Mason, co-founder of Shoal, and Marten Moller, Impact and Partnerships Manager at Algbra, discuss how fintech and banks can collaborate to create the next generation of sustainable financial products. They explain Shoal’s sustainable savings app, its partnership with Standard Chartered, and Algbra's fintech-as-a-service platform. The conversation covers the importance of transparency, user experience, and the balance between profit and environmental impact. Tune in to learn how fintech can drive sustainable finance while maintaining profitability.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode, George Iddenden from the Payments Association sits down with Hugo Remi, CEO of Cardaq, to discuss the complexities of cross-border payments. They explore key issues like currency exchange risks, regulatory compliance, fraud prevention, and the role of advanced technologies such as blockchain and real-time payment systems. Remi offers insights into the practical challenges businesses face in managing these areas and shares strategies for navigating this evolving landscape.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In our newest episode of the Insights Podcast, Charlie Bronks, Crown Agents Bank, and Karine Martinez, Edenred, talk successful ESG policies, greenwashing and what effective green action really means.
They discuss how their companies have successfully tackled implementing ESG strategies and what other payments industry players should be doing to limit their impact on the environment and galvanize their customers.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Tony Craddock, Director General sits down with Patrick Gauthier, CEO of Convera to unveil his success secrets, his top tips for best practice, what motivates him and his predictions for 2024.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights podcast, host George Iddenden explores the complex world of liquidity management in the rapidly evolving fintech sector.
Joined by Jovi Oveiro, Director at Unlimit, they delve into how businesses manage liquidity across international boundaries in today's digital payment landscape. Jovi discusses the critical role of technology in optimising liquidity, the impact of regulatory environments, and the challenges posed by currency volatility. The conversation also touches on the future of digital payments, including the potential of AI and CBDCs to transform financial transactions.
Tune in to understand the strategies fintech firms can employ to navigate these turbulent financial waters effectively.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, host Tony Craddock sits down with Steve Round, a veteran in socially responsible banking. With a rich background and roles as the chair of the Ecology Building Society and co-founder of SaaScada, Steve delves into how integrating environmental, social, and governance (ESG) factors can redefine the financial services industry.
He discusses the unique challenges and opportunities facing legacy banks and fintechs in making genuinely inclusive financial products that cater to all income levels. Steve advocates financial inclusivity over inclusion, emphasising that true change requires providing first-class banking services to all, irrespective of economic status.
This conversation is a deep dive into the practical steps financial institutions can take to support sustainability and build a banking environment that contributes positively to society and the planet.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join George Indan and Angie Watson from Paymentology in a riveting episode of Insights Podcast, where they discuss AI's profound impact on the payment industry and the workplace. Learn how AI streamlines transactions, boosts security, customizes user experiences, and reshapes job roles. They also tackle the importance of ethics, diversity, and humanity in the age of artificial intelligence, offering a glimpse into how technology shapes our approach to innovation, security, and inclusivity.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights Podcast, host Tony Craddock, Director General of the Payments Association, delves into the dynamic and complex world of payment systems with industry veterans Pete Tobin, head of debit at TSYS, and Matt Cox, director of E-commerce and Services at Nationwide. They explore recent regulatory changes, the impact of technological advancements on traditional banking models, and the future of open banking and variable recurring payments (VRPs).
The discussion illuminates the challenges and opportunities presented by the need for a commercial framework that ensures consumer protection and encourages innovation in the payments industry. As the landscape of payments continues to evolve, this episode provides invaluable insights into the strategic considerations driving its future direction.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights podcast, Tony Craddock, Director General of the Payments Association, welcomes Gary Palmer, CEO and Chairman of Payall, for a focused discussion on the evolution and challenges of cross-border payments. With decades of experience, Palmer offers a critical analysis of why this sector, crucial to the global economy, has seen limited technological advancement and outlines the transformative changes on the horizon.
Listen as they examine the systemic barriers to innovation, such as outdated banking infrastructures, regulatory complexities, and the pressing need for technological integration. They explore how limited data visibility affects transaction efficiency and discuss the potential for significant improvements in the near future.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join Tony Craddock, Director General and Founder of the Payments Association, for a deep dive into the evolving landscape of open banking with industry leader Marion King.
In this episode, Marion shares her insights from a distinguished career that has significantly shaped the UK's payment sector, from introducing Faster Payments to her influential role as CEO of Vocalink and beyond. As the current Chair and Trustee of Open Banking Limited, Marion discusses the transformative impact of open banking on the UK economy, the pivotal developments expected in 2024, and the challenges and opportunities ahead.
With nearly 13 million payments enabled by open banking and a growing user base, this conversation illuminates the critical role of collaboration, innovation, and regulation in driving forward a data-shared economy and the importance of open banking as a public good. Tune in to understand how the UK positions itself at the forefront of this global movement, ensuring sustainable, fair, and innovative financial services for all.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this engaging episode of the Insights podcast from the Payments Association, Tony Craddock, Director General, welcomes Mark Brant, Chief Payments Officer at NatWest, for an in-depth conversation about the evolving landscape of payment solutions.
With a focus on customer centricity, innovation, and financial inclusion, Mark provides valuable insights into the challenges and opportunities within the payment sector. From the scale-up journey of PayPal to pioneering cashless payment solutions for schools with ParentPay, and his strategic role in enhancing NatWest's payment operations, this episode offers a comprehensive look at the efforts to address consumer needs and the future of payment innovations.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of the Insights podcast, host George Iddenden and guest Nick Botha, Global Payment Sales Manager at AutoRek, explore the evolving landscape of payment compliance and safeguarding. They delve into the challenges organisations face in adhering to regulatory requirements, particularly in the context of increasing online transactions and the need for technological adaptability.
The conversation covers current trends in compliance, the role of the Financial Conduct Authority (FCA) in enforcing regulations, and the impact of these regulations on firms of various sizes. Nick also shares insights on best practices for safeguarding and the importance of automation in maintaining compliance. This episode offers valuable perspectives for anyone involved in the payments and finance industry, aiming to navigate the complexities of safeguarding transactions and compliance regulations.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In this episode of Insights Podcast, host George Iddenden engages in a thought-provoking conversation with Akbar Hussain, co-founder and general counsel of TerraPay. They delve into the intricate challenges and opportunities in the payment sector, focusing on navigating complex regulations and fostering financial inclusion.
Akbar shares his unique perspective on balancing transparency and efficiency, the importance of compliance culture, and TerraPay's innovative approach to cross-border payments. He also reflects on the broader legislative landscape and the industry's future, offering insights into how TerraPay is adapting and contributing to this dynamic field.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In our latest episode, reporter George Iddenden spoke to Thistle Initiatives head of payment services Lorraine Mouat, and Jessica Cath, the company's head of finanical crime on how financial services firms can balance consumer duty requirements meanwhile managing the risk of APP fraud.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
The Payments Association reporter George Iddenden sits down with BPCBT Senior Vice President Sales to discuss strategies for the survival of traditional banking institutions as the fintech sector gains more relevance.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In our latest episode, editor Jyoti Rambhai spoke to Charlie Bronks, head of sustainability at Crown Agents Bank and Marten Möller, ESG Manager at Algbra – both recently b-corp certified – in this episode on ‘How to become a b-corp’, and why this is important in the payments space.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
In our latest episode, editor Jyoti Rambhai, discusses the cost-effectiveness of cross-border payments and the problems surrounding the space at the moment with , Gary Palmer, founder and CEO of Payall and Phil Mochan founder and CEO of Nomos Digital.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
The Payments Association's editor, Jyoti Rambhai is joined by the founder and CEO of Saascada Nelson Wootton in the latest podcast to discuss the crucial role data will play in technology, which is changing the payments landscape.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Listen to Peter Tobin, head of debit solutions at TSYS, and Matt Cox, director of digital payments and cards at Nationwide Building Society, discussing the evolution of open banking in Europe and the UK.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join Jyoti Rambhai, editor at The Payments Association and Manish Garg from our Project Digital Currencies working group, investor and director at VE3 as they both dive into the world of tokenised deposits. Discover the significance of tokenised deposits, its potential impact on the UK economy, and the role of CBDCs in shaping the future of digital banking. Tune in for an insightful discussion on the evolution of banking and the potential of blockchain technology
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Join host Jyoti Rambhai and guest Guy Harris, chairman at Chargebacks911, as they delve into the intricate world of chargebacks and the impact it has on merchants. Understand the challenges facing the industry and what the industry can do to ensure a smoother transaction experience amid an evolving landscape of disputed transactions.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Andrew Hewitt, Director of Payment and Data Solutions at FIS, shares his views about the New Payments Architecture (NPA) and specifically instant payments, the future potential and risks, as well as his own learnings from early account-to-account initiatives.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Discussion: Project Regulator: Consumer Duty
- What are the key issues for payments firms with how expectations are developing?
- What is the cost and wider impact associated and how will it affect competition?
- How are firms fairing with ever-evolving compliance requirements?
Alison Donnelly, Project Regulator Lead, The Payments Association
Nilixa Devlukia, Independent Regulatory Consultant, Payments Solved
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Discussion: What’s next for faster payments? The enabling role of data and standards
- What could we expect to see changing across 2023?
- What are the possibilities and opportunities for more robust data exchange?
David Heron, Head of Standards, Pay.UK
Alistair Milne, Professor of Financial Economics, School of Business and Economics, Loughborough University (moderator)
Simon Lyons, Chief Strategic Officer, Obconnect
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Discussion: Project Cross Border: Challenge and Opportunities for 2023
- How to improve corridors where high risk impacts development of transactions?
- How has Brexit changed the cross-border payments landscape within Europe and what are the options?
- What steps can be taken to reduce the costs of FX as part of the overall proposition?
Kevin McAdam, Project Cross Border Lead, The Payments Association
Leon Isaacs, Chief Executive Officer, DMA Global
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Discussion: Sustainable DE&I: Why Belonging is Key
- How to take D&I initiatives to the next level through driving belonging
- Practical examples to support underrepresented employees in the workplace
- What more can organisations do to have real impact and move the dial?
Joanne Dewar, Project ESG, The Payments Association (moderator)
Kris Foster, Junior Office and Engagement Assistant, GPS
Annette Evans, People Consultant UKI & CEE, Google
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
PAY360 Live - Fireside chat: The currency of the future
- Will programmable, digital money deliver in the way that Open Banking revolutionised the payments landscape?
- Is digital currency wealth creating or wealth destroying?
- What impact will this have on banks and the revenue which will be generated via value added services?
Robert Courtneidge, Syndicate Director, The Payments Association (Moderator)
Julian Sawyer, ex Chief Executive Officer Bitstamp and Chief Operating Officer, Starling Bank
Kirit Bhatia, Head of Business Development, International, Ripple
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
PAY360 Live: Fireside Chat - Digital IDs – the new battle ground for the consumer
Fireside Chat: Digital IDs – the new battle ground for the consumer
- How can banks adapt to the new reality of the digital era while maintaining cost efficiency?
- How can you optimise the digital onboarding process?
- What are the cutting-edge technologies for digital identity and digital onboarding?
- How can you integrate digital ID into legacy infrastructure?
Alison McDowell, Co-founder and Director, Beruku (Moderator)
Lui Zurawski, Strategist Retail Payments and Data, Gen Digital
Harry Weber-Brown, Chief Executive Officer, TISA Digital
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
PAY360 Live: Interview: Opportunities in International CBDCs
- What is the state of play in interoperability?
- How could a more collaborative approach be implemented?
Dr. Justine Scerri Herrera, Partner, MK Fintech Partners (Moderator)
Nick Kerigan, Managing Director, Head of Innovation, Swift
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
PAY360 Live: Fireside Chat: Project Financial Crime: The Role of Data Sharing and Collaboration
- A sneak peak at the results from an upcoming Project Financial Crime whitepaper, in partnership with Form3
- What role does data sharing and collaboration have in battling financial crime?
- What is the current state of play and how could the industry collaborate further?
Andrew Churchill, Ambassador, The Payments Association (Moderator)
Chris Oakley, Head of Fraud, Form3
Jonathan Williams, Payments Specialist, Payment Systems Regulator
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Fireside Chat: Open Finance – what is the impact of the new proposal?
- What can we expect and to what extent will this help progress towards Open Finance?
Helen Child, Founder, Open Banking Excellence (Moderator)
Matt Cox, Director of Digital Payments and Cards, Nationwide
Steven Bisoffi, Technical Specialist Payments, Payment Systems Regulato
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Live from The Payments Association's PAY360 conference, Marion King, Chair and Trustee of the Open Banking Implementation Entity (OBIE) gives her view on the state of payments.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
This month's 'Insights' podcast episode features Charles Radclyffe, the CEO of EthicsGrade and Charlie Bronks, Head of ESG for Crown Agents Bank.
They discuss the importance of ESG (environmental, social, and governance) in the payments industry and how more progressive policies and business-models can and must be implemented in 2023.
"ESG credentials are demanded in today's market by your stakeholders and by your talent pool. Therefore, it can't be a tickbox activity...its not optional, it's not political. It makes business sense and is the right thing to do" says Charles.
The episode highlights the challenges of measuring ESG, how Charlie and Crown Agents Bank have gone on an 'ESG journey' and what the launch of The Payments Association's Project ESG working group means for our members.
To get involved and join the waiting list, interested individuals can email Jay Bennett at jay.bennett@thepaymentsassociation.org to learn more about Project ESG.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
The Payments Association's Payments Pod, the show that connects you to some of the greatest personalities in the payments sector, and keeps you one step ahead on innovation and trends.
In this episode Mastercard's Darren Deal shares his 5-year predictions in Technology, 5G, Machine Learning, Blockchain, Cloud Computing, Internet of Things and Big Data.
Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media.
Tune in to hear our expert panel explore the risks of cross-border payments, discuss how to achieve more efficient and commercially viable compliance processes, and provide a 'crystal ball' forecast on regulatory and market opportunities.
Speakers include:
Nkosi Moyo, Head, Global Payments - Mobile Sales, Crown Agents Bank
Robert Wade, Global Head of Cross-Currency Solutions, J.P. Morgan
Livia Benisty, Global Head of AML, Banking Circle
Chryssi Chorafa, Founder & CEO, StarLiX
Kazım Rıfat Özyılmaz, Co-Founder, Arf
Speakers:
- Josh Berle, Business Development Director, Mastercard (Moderator)
- Frederick Rugginz, Head of EMEA SCF Programme Management, JP Morgan
- Kit Yarker, Product Director, GPS
- Charles Radclyffe, Co-Founder and Managing Director, Ethics Grade
Our newest podcast episode brought to you by Project Regulator will explore how widespread Buy now pay later (BNPL) is in the UK and whether it is a viable market.
Tune in to hear our expert speakers discuss what technology is used for BNPL, why it has grown so much and how it differs to your traditional payday lender. Our speakers go beyond this to discuss whether BNPL provides an answer to the lack of affordable credit options in the market, the threats it poses to consumers, and how it should be regulated.
Speakers include:
Alison Donnelly - Director of fscom (moderator)
Mitch Trehan - UK Head of Compliance and MLRO at Banking Circle
Daniel Jones - Special Counsel at Baker Botts
Manish Garg - Founder & CEO of Banksly
Petru Metzger – Head of Payments Delivery at Endava
With smaller firms needing to prioritise growth but suffering from squeezed resources, this makes life a challenge for MLROs especially if their senior management do not understand the risks themselves..
Brought to you by Project Financial Crime, this podcast episode discusses AML obligations of EMIs and APIs and what the role is for these firms in relation to their agents.
The session will also explore the challenges of filing suspicious activity reports (SARs), the current landscape of AML, (including recent prosecutions brought against financial institutions), and what the government is doing to bring in more corporate liability to prevent further fraud and financial crime.
Speakers include:
- Jane Jee, Director - Jee Associates and Director - The Hilda Project (Moderator)
- Claire Pratt, Compliance lead MLRO, Tred
- Mark Simpson, Partner, Baker McKenzie
- Richard Spink, Sales Director, GBG Plc
This month's insightful podcast is supported by EPA Project Knowledge Partner, Discover Global Network. Our expert speakers discussed some key and challenging questions on open banking - what are variable recurring payments? Where does it sit within open banking and what has been mandated by the CMA? Tune in to find out more!
Speakers include:
- Fliss Berridge, Director and Co-Founder, Ordo
- Huw Davies, Co-Founder and CCO, Ozone API
- Jack Wilson, Head of Policy and Regulatory Affairs, Truelayer
- Tom Greenwood, Chief Executive Officer, Volt
- Gary Prince, Chief Strategy Officer and Vice Chairman, SimplyPayMe
In this EPA Insights Podcast series, Angela Yore, Managing Director of SkyParlour and Emerging Payments Association Advisory Board member will be interviewing the previous winners from each category of the Emerging Payments Awards 2020 to find out what it takes to win. Also hear from Chair of the Judges Andrea Dunlop about why she feels the previous winners came out on top, and what should be expected from this year's finalists.
In this episode, Angela speaks with Scott Abrahams of Mastercard and Paul Bartholomew-Keen of Elavon Merchant Services on the Best Financial Inclusion Payments Initiative award and why the judges picked two winners for this award.
This month’s podcast, moderated by Project Inclusion Lead Josh Berle, explores how digital and financial exclusion remain entrenched in today’s society and have been how they have only been exacerbated by the COVID-19 pandemic, specifically the cutting out of cash, and a lack of access to technology. The panel then moves on to what the FinTech industry is doing to tackle these issues, before touching on what financially inclusive payments could look like over the next 5 years.
Speakers:
- Josh Berle, Business Development Director, Mastercard (Moderator)
- Tim Annis, Head of Sales (U.K. and Europe), Bluechain
- Daniel Greiller, Chief Commercial Office, Weaver
- Graham Mott, Director of Strategy, LINK
In this EPA Insights Podcast series, Angela Yore, Managing Director of SkyParlour and Emerging Payments Association Advisory Board member will be interviewing the previous winners from each category of the Emerging Payments Awards 2020 to find out what it takes to win. Also hear from Chair of the Judges Andrea Dunlop about why she feels the previous winners came out on top, and what should be expected from this year's finalists.
In this episode, Angela speaks with Neil Harris, winner of the Industry Contributor of the Year award at the 2020 Emerging Payments Awards to find out what it takes to be an award winner and why he won. Neil Harris is the group Chief Commerical Officer of GPS, Co-Founder of Beyond, and Chair of The Inclusion foundation.
Neil loves the sector for three main reasons: innovation, the passion of the people, and the purpose. He believes fintech is filled with purpose, and since he began his payments career in 2012 by launching AccessPay, he believes helping people through innovation and technology is the core of what he does and loves. Andrea also talks about how Neil has done some amazing things in his career and how he has transformed the industry.
Listen now to hear from the best and to gain some insight into what we can expect this year.
*Music Credit :
Ambient Presentation by Free Music | https://soundcloud.com/fm_freemusic
Music promoted by https://www.free-stock-music.com
Creative Commons Attribution 3.0 Unported License
https://creativecommons.org/licenses/by/3.0/deed.en_US*
New crypto regulations: are you caught by them and what should you be doing about it? What’s on the horizon?
This podcast, moderated by Project lead Alison Donnelly, explores the U.K.'s current and future stance on crypto regulation and its potential divergence with the EU/eurozone. The team covers important themes such as AML rules and registration, UK government proposals for broader regulation of cryptoassets and stablecoins, and BoE proposals for a UK CBDC.
Speakers:
Alison Donnelly, Director, fscom
Max Savoie, Partner, Sidley Austin
Mitch Trehan, Head of UK Compliance, Banking Circle
Steven Marshall, Chief Product and Network Officer, Crown Agents Bank
This EPA Insights Podcast will discuss what is in store for cross-border payments.
Speakers:
- Kevin McAdam, Head of Product Strategy at Omnio Global (Moderator)
- Lisa Grahame, Chief Risk and Compliance Officer at Global Processing Services
- Vikesh Patel, Head of Americas and UK Region at SWIFT
- David Lambert, Co-Founder and Commercial Director at Transact365
- Richard Arundel, Chief Evangelist and Co-founder at Currencycloud
Hear their thoughts on global cross border payment market opportunities, and the current and future barriers, before discussing how emerging technologies will shape the future of cross border payments. They also cover how operators should seek to expand choice and options post pandemic to meet customer expectations.
Our second EPA Insights Podcast will discuss how VRP could be the silver bullet that truly unlocks the potential of open banking for payments and the Competition and Markets Authority’s consultation on whether VRP should be a mandatory part of the roadmap.
Speakers:
- Huw Davies, Co-Founder and Chief Commercial Officer at Ozone Financial Technology
- Jan Van Vonno, Director of Research and Thought Leadership at Tink
- Brian Hanrahan, Chief Commercial Officer at Sentenial
- Monica Eaton-Cardone, Co-Founder and COO of Chargebacks911
The EPA’s Project Financial Crime team will be discussing the Kalifa Review from HM Treasury. The review, which was published 26th February 2021, will be an opportunity for the Government to acknowledge and help shape the future of Fintech in the UK. The Project Financial Crime team is joined by other members from across the EPA community, honing in on how the review will help the battle against the epidemic of fraud and financial crime in the U.K.
Speakers:
- Jane Jee, CEO, Kompli-Global and Leader of Project Financial Crime
- Phil Creed, Director of Financial Crime, fscom and Member of Project Financial Crime
- Joshua Bower-Saul, CEO of Cybertonica
- Steve Elliot, Managing Director of LexisNexis Risk Solutions (UK & Ireland)