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Navigating Liquidity in Global Finance: Challenges and Tech Solutions

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.

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Banking on Change: Aligning Finance with Social and Environmental Progress

Join Tony Craddock as he sits down with Steve Round, chair of the Ecology Building Society and co-founder of SaaScada, who delves into how integrating 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 for financial inclusivity over mere 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 not only support sustainability but to foster a banking environment that contributes positively to society and the planet.

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AI Revolutionising Payments & Empowering Workforces

Join George Iddenden 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, customises 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.

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Payment Innovations Shaping the Future of Finance

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.

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Revolutionising Cross-Border Payments

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.

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The Evolution of Open Banking: Insights and Innovations

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.

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The Evolution of Payment Systems

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.

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Navigating the Complexities of Payment Compliance

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.

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Navigating Regulatory Challenges in the Payment Industry

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.

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The digital evolution: Understanding tokenised deposits

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.

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Why educating consumers and merchants on chargebacks is important

Join host Jyoti Rambhai and guest Guy Harris, chair 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.

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The NPA and future of instant payments

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.

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PAY360 Live: The Role of Data Sharing and Collaboration

Listen to the Project Financial Crime fireside chat live from the PAY360. This fireside chat discusses results from the Project Financial Crime whitepaper in partnership with Form3, featuring Andrew Churchill, Ambassador, The Payments Association (Moderator), Chris Oakley, Head of Fraud, Form3 and Jonathan Williams, Payments Specialist, Payment Systems Regulator.

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Project ESG Podcast Thumbnail featuring guests

Insights Podcast: A Journey into ESG with Charles Radclyffe, CEO of Ethics Grade & Charlie Bronks, Head of Sustainability at Crown Agents Bank.

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.

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Payments Pod: Mastercard’s Darren Deal shares his 5-year predictions

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.

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Risk and cross-border payments: navigating a regulatory and compliance minefield

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

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Open finance and premium APIs: unlocking the untapped potential for the payments industry

Tune in to hear our expert panel explore the broad definitions of Open Finance and how it differs from Open Banking, where Open Finance can create huge value for businesses and consumers

Our speakers then steer the conversation towards fundamental questions the industry is eager to answer, such as; Is there an appetite for moving on beyond the current regulatory scope? What can be achieved with Variable Recurring Payments? And finally, what do we need to do to get Open Banking payments further adopted in the UK?

Speakers:

Jan Van Vonno – Director of Research, Tink
Huw Davies – Co-Founder and CCO, Ozone API
Fliss Berridge – Co-Founder and Director, Ordo
David Lambert – Commercial Director, Transact365
Frank Breuss – Co-Founder and CEO, Nikulipe

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BNPL Regulation: What’s on the horizon?

This 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.

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The challenges faced by the MLRO in a small AML regulated firm

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. You can also find out what the challenges are 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.

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SIBOS: The Power of FI and Fintech Partnerships to Better Serve Customers

A dynamic landscape and the unprecedented pace of change make for an exciting and demanding marketplace, increasing the need for Capacity, Cost, and Competition. James Hodgson and Tim Tor from NatWest talk with Chris Peck of Bottomline and Teresa Connors of Payment Matters about the effectiveness of partnerships and collaborations and the difference it makes in better-serving customers.

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How has payments technology supported financial inclusion during the pandemic?

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.

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The Evolution of Cross-Border Payments

This Payments Association Insights Podcast will discuss what is in store for cross-border payments. Hear our experts’ 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.

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Brave new money: Crypto, CBDC and regulation in the UK

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.

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VRP: The real game-changer for open payments

Our second Payments Association 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.

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HMT’s Kalifa Review and the fight against Financial Crime in the UK

The Payments Association’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 Payments Association community, honing in on how the review will help the battle against the epidemic of fraud and financial crime in the U.K.

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