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Raphaels Bank Payment Services, which has established an enviable reputation for payments innovation, has published a new white paper looking at the challenges and opportunities for fintechs in the payments arena. Acknowledging that giving a broader range of Payment Service Providers (PSPs) access to payment systems is crucial to underpinning competition and innovation in the UK payments landscape, the white paper explores the access options for the Faster Payments Scheme available, including the direct agency model. Read more, and download the paper from, here.