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.

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.

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, his views on the future of payments industry, and how Convera is contributing to its evolution.

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.

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.

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.

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.

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.

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.

The Payments Association reporter George Iddenden sits down with BPC BT Senior Vice President Sales, Peter Theunis to discuss strategies for the survival of traditional banking institutions as the fintech sector gains more relevance.

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.

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.

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.

Listen to our latest podcast, brought to you by Project Digital Currencies, to learn how our speakers define digital assets, how digital currencies can solve the problems of traditional banking and what must be done to ensure consumer protection and acceptance.

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

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.

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.

This month’s insightful podcast is supported by Payments Association 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!

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.

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.

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.

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.