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Advisory Board Nominees 2024

Andrew Murray

Head of Sales Growth Office - Corporate & International Banking
FIS
Contribute expertise, I want to leverage my experience and skills to contribute meaningfully to the Payments Association. Eager to contribute to the strategic direction of the payments ecosystem, with rapid changes in technology and digital transformation combined with evolving consumer expectations & needs I believe that my insight into emerging trends can help drive the PA’s initiatives and provide valuable advice and guidance
Industry expertise, with my deep interest in, and experience within the payments industry. Being part of this board would allow me to share my expertise and contribute to shaping the future of payments, ensuring that innovations are aligned with industry trends and regulatory framework
Influence & advocacy: I am passionate about advocating for policy changes and ensuring that the payments industry remains competitive, inclusive and secure. As part of the advisory board I would aim to support the drive to influence policies that benefit both the industry and consumers, while promoting innovation and trust
Collaboration & networking: Serving on the board would offer an opportunity to collaborate with other industry leaders and decisions makers. I would value the chance to engage in meaningful discussions, share diverse perspectives and create impactful solutions to industry challenges
Shaping industry standards: joining the board would give me an opportunity to help shape and influence the standards and frameworks that govern the payments industry. By working with peers and industry experts, I hope to contribute to challenging industry standards and to promote transparency, fairness, and interoperability across the sector
Global perspective: the payments landscape is becoming increasingly global, and I believe my international experience in banking and payments can help the advisory board adopt a broader perspective. I am eager to contribute to conversations about cross border transactions, global regulatory environments and how to foster an interconnected payments ecosystem
Fostering financial inclusion: one of the main reasons I want to join the advisory board is to support initiatives such as financial inclusion. I believe that through thoughtful innovation and collaboration, we can expand access to financial systems to those in underserved communities, helping to close the financial gap and improve economic participation
Support the mission: I strongly believe that the mission statement is clear: to empower the most influential community in payments. This isn’t just a statement
it’s a call to action for each of us to contribute to a thriving, inclusive industry. By fostering connections, encouraging collaboration, and promoting continuous learning, we can shape an industry that truly works for everyone. With a role on the advisory board to help make this mission statement a success I will engage actively in industry events, sharing my insights and learning from others. My active engagement will help to build on the robust network already in place and foster the collaborative spirit that will lead us to success.
Mentorship and leadership development: I would view my participation on the board as an opportunity to both learn from other industry leaders and contribute by mentoring the next generation of payments professionals. I am excited about the potential to influence the future leaders of the payments industry, sharing knowledge and fostering leadership development
Driving innovation: I want to help drive innovation within the industry. I believe that with my background in capital markets, corporate, fintech and payments industry I can contribute to exploring new ways to enhance the payments experience for businesses and consumers, ensuring that the industry keeps pace with technological advances
Personal growth: joining the advisory board aligns with my personal goals for growth, while allowing me to contribute to a cause that I am passionate about. I am excited about the opportunity to support the PA’s mission and help shape the future of the payments industry
The Payments Association faces several key challenges in the year ahead that will require strategic focus and proactive measures. Navigating the increasingly complex global regulatory environment is a significant challenge. Regulations such as PSD3/PSR/DORA in the European theatre, Operational Resilience finishing consultation in the UK, the FCA Safeguarding and Consumer duty regulations, deciphering the intersect and how this sits across the payments landscape will take some considerable focus and effort. For firms trying to stay compliant while remaining agile is crucial. This involves not only understanding and implementing these regulations but also anticipating future changes and preparing accordingly.
As digital transactions continue to rise, enhancing cybersecurity measures and developing robust fraud prevention strategies are essential. Cybercriminals are becoming more sophisticated, and the potential for data breaches and financial fraud is a constant threat. The Payments Association must prioritise the protection of consumer data and transaction integrity through advanced security protocols and continuous monitoring. An example of where the PA has been pivotal is in leading the charge on the reduction in APP reimbursement limits. This successful lobbying goes some way to show the influence we can bring to bear.
The rapid pace of technological change, including the integration of AI, CBDCs and blockchain, presents both opportunities and challenges. These technologies can revolutionise payment processes, making them faster, more secure, and more efficient. However, they also come with risks such as implementation complexity and the need for specialised skills. The Payments Association should support its members in adopting these technologies effectively while managing the associated risks, although not “new” the adoption of blockchain has been somewhat stifled, helping to explore use cases for both this and digital currencies is already a focus are for our working-groups.
Understanding and adapting to evolving consumer preferences is vital. Consumers today expect seamless, convenient, and secure payment experiences. This includes improving user experience, reducing transaction friction, and offering innovative payment solutions that cater to diverse customer segments. Keeping pace with these expectations requires continuous innovation and a deep understanding of consumer behaviour.
The current economic climate, characterised by high-interest rates and geopolitical uncertainties, poses challenges for raising capital and sustaining growth, particularly for fintech startups. Economic pressures can impact investment flows and operational costs, making it harder for new entrants to thrive. The Payments Association can play a crucial role in providing support and resources to help these companies navigate financial challenges, all the while continuing to lobby the new government.
Finally, fostering collaboration within the payments ecosystem is essential for driving innovation and addressing industry-wide challenges. This includes building partnerships between fintechs, traditional FI, and regulatory bodies. Such collaborations can lead to the development of new solutions, sharing of best practices, and a more cohesive approach to industry challenges.
By focusing on these areas, the Payments Association can help its members navigate the complexities of the modern payments landscape and drive the industry forward. This proactive approach will ensure that the payments industry remains dynamic, secure, and inclusive, benefiting all stakeholders involved
Bringing visionary leadership to the Payments Association Advisory Board, I will drive innovation and strategic direction for the future of payments. With regulatory expertise, I can confidently navigate complex regulatory landscapes, while my cyber and fraud understanding and exposure ensures robust security measures against evolving threats.
Leveraging my work with cutting-edge technologies, I aim to enhance payment solutions with a consumer-centric technology lead approach, advocating for seamless / frictionless, user-friendly experiences. My collaborative spirit fosters partnerships and teamwork within the payments ecosystem, complemented by economic insight to guide strategic decisions amidst financial challenges.
As a diversity and inclusion advocate, I promote a diverse and inclusive industry environment. Championing my team to be able to bring their full selves to work, feeling comfortable and empowered to challenge and provided a safe place to fail. My problem-solving skills enable me to tackle industry challenges with innovative outside of the paradigm, effective solutions, and my commitment to learning ensures I stay ahead of trends through continuous education and knowledge sharing.
I have a passion for effective problem-solving driven by collaborative competition, which I feel are essential for driving innovation and achieving success. Problem-solving, in being outcome focused, understanding what we want to achieve and then developing creative solutions, is at the heart of innovation. When combined with collaborative competition—working together with competitors to achieve mutual benefits while striving for individual success—organizations can foster a culture of excellence and one that encourages challenges and development of our next generation.

Cassie Craddock

Managing Director, Europe
Ripple
– To contribute to the strategy and direction of the UK payments industry, bringing an international perspective;
– To provide a perspective on emerging payments trends and the impact of blockchain and crypto on the payments industry;
– To give back to the industry and provide diversity to the Board as a successful female and LGBTQ+ leader.
– Ensuring the UK payments industry has access to the latest skills training, in particular by providing payments professionals opportunities to upskill themselves on emerging payment and technology developments;
– Bridging the diversity gap;
– The need to establish and augment appropriate regulatory frameworks to support emerging technologies such as blockchain and AI such that the UK payments industry remains a world leader in developing and implementing the most innovative payments offerings.
International experience from a background spanning a range of payments companies and fintechs, including Ripple, Mangopay, Ixaris and Veridu, together with insights into the payment applications of emerging technologies/infrastructure including blockchain/crypto and AI.
In addition as a senior female leader from an LGBTQ+ background working in payments I am able to provide an informed perspective on measures to enhance diversity within our industry.

Chris Partridge

Senior Vice President - Division Leader
Crown Agents Bank
Chris is a veteran of the payments industry and has a depth of knowledge in payments and also FX. He has worked for a number of the most prestigious companies in the world and today he interacts with them as a client facing executive. Chris is deeply knowledgeable in the technology that is used in payments – not only in processing but also in risk and customer service.
Chris would dedicate himself to the advisory board and be a great replacement for Joe Hurley, who held this role previously but needed to relocate to the usa. Crown Agents Bank nominates Chris Partridge for this role.
There are three main challenges:
1. Government rule making
2. ISO technology upgrades
3. Keeping talented staff

Chris will bring a global perspective on payments – with a strong understanding of the UK as a baseline. Chris has 15 years of payment knowledge across many payments disciplines including business development, product and operations.

Christophe L’Helguen

Division Head Issuing, Board member of Worldline Financial Services
Worldline
As a member of the Advisory Board I expect to support The Payments Association mission at many levels. My leadership experience within Worldline Financial Service at an executive level allows me to contribute with a global perspective on the payments industry. From innovation, to the operational challenges facing the industry, and also the regulatory frameworks from various countries, I expect to bring my views to enrich the discussion and information sharing. For us at Worldline, it is essential for the industry leaders to collaborate in and help our businesses develop in an open, trusted and balanced manner, involving all stakeholders.
In becoming a member of The Payments Association Advisory I am expecting to contribute and also benefit from information sharing and creating joint initiative in multiple fronts, such as:
• Share Industry Insights: from the latest trends, research, and developments in the payments industry, helping our industry develop and staying ahead of the curve.
• Networking Opportunities: Connect with industry leaders, professionals, and peers, expanding our common network and fostering valuable relationships.
• Advocacy and Representation: Benefit from the Association’s efforts in advocating for the interests and needs of the payments community at regulatory and governmental levels.
• Collaboration Opportunities: Engage in collaborative projects and initiatives with other members, leading to innovation and shared success.
• Influence: Have a voice in shaping the future of the payments ecosystem through participation in discussions, committees, and task forces.
Here are a 4 main reasons why I would encourage members to vote for me to join the Advisory Board of The Payments Association :
PASSION AND CURIOSITY:
From LEGO boxes in my childhood to cryptocurrencies, my enthusiasm for new things and technologies continues to drive and motivate me to understand the world we live in.
GIVE AND RECEIVE:
As a payment manager, my role involves constantly exchanging ideas and trying to understand everyone’s challenges. In this capacity, I am always attentive to our members and, more broadly, to the ongoing economic transformations.
I bring a strong background in the payments industry, with a deep understanding of current trends, challenges, and innovations. This knowledge will enable me to provide valuable insights and contribute to strategic discussions.
OPENNESS AND COOPERATION:
I work in a large international and multicultural group, which keeps me well-informed about changes and regulations on a very large area, whether related to data, traceability, payments. I do believe in the power of collaboration and will actively engage with other members to foster a sense of community and shared purpose. My goal is to facilitate open dialogue and encourage diverse perspectives.
ADVOCACY FOR MEMBERS:
I will serve as a strong advocate for the needs and interests of all members, ensuring their voices are heard and considered in decision-making processes.
By electing me to the Advisory Board, members can trust that I will be a dedicated representative who prioritizes the collective interests of the payments community while driving positive change in the industry.
The Payments Association in the UK may face several challenges in the coming year that it should focus on. Many of the challenges facing the UK payments industry are common to the EU, and through our leading position in these markets we hope to benefit from a shared view.
• Regulatory Changes: Adapting to evolving regulations, for example resilience (e.g. CBEST, DORA).
• Innovation and Competition: Keeping pace with rapidly advancing technologies, such as blockchain, cryptocurrencies, and digital wallets, while managing competition from fintech disruptors.
• Consumer Trust: Building and maintaining consumer confidence in digital payment systems, especially in light of increasing fraud and scams.
• Financial Inclusion: Ensuring that payment solutions are accessible to all segments of the population, including underserved and vulnerable communities.
• Sustainability and Ethical Initiatives: Addressing the environmental impact of payment solutions and promoting sustainable practices within the industry.
• Interoperability and Integration: Facilitating seamless integration between different payment systems and networks to enhance user experience and operational efficiency.
• Merchants payments: Supporting Merchants in adopting new payments services at affordable costs, fostering innovation and consumer convenience
By focusing on these challenges, The Payments Association can help shape a more resilient, innovative, and inclusive payments landscape in the UK.
As an early entrepreneur in the French market, my career started by founding and leading a startup that have garnered attention for their innovative approaches to technology.
Tech innovator and passioned by digital transformation, I moved 15 years ago from telco industries to payment area, focusing on enhancing business efficiency.
My expertise spans on large scales transformations, migrating more than 35+ millions cards from heterogenous legacy systems to full fletch and a state of the art platform.
When considering what to bring to the Advisory Board, I would focus on a few key areas:
Diverse Perspectives and Strategic Thinking: My experience and insights from a large European scale can contribute to a broader understanding of various issues, fostering inclusive discussions gathering several market trends, ensuring we’re prepared for future .
Networking Opportunities: I can leverage connections to enhance collaboration, partnerships, and resource sharing within the community.
Problem-Solving Skills: I can provide innovative solutions to complex problems, drawing from a wide range of knowledge and methodologies relying on a strong track record on digital transformation and wide transformative programs execution.
Shaping the future: I’m dedicated to the mission and vision of the organization, and I’m eager to support initiatives that promote sustainable development and impact.
By bringing these strengths to the Advisory Board, I aim to contribute meaningfully to our shared objectives and the organization’s success.

Claire Gates

Global Head of Payments and Solutions
Crown Agents Bank
My inspiration to join The Payments Association Advisory Board is rooted in a long-standing connection with the organisation and my ambition to shape the future of the industry. I am deeply passionate about the sector’s ability to leverage technology to educate consumers, shape the future, and revolutionise payments, especially in the historically neglected B2B space.
Over my 25 years in the payment industry, I have sat on evaluation boards for innovation, mentored companies within the Association, and seen first-hand how it acts as a vital body in fostering innovation, ensuring the effectiveness of the market, and educating the broader industry. The PA’s role as a catalyst for positive change in payments resonates strongly with my own experiences and vision for the future.
The payments sector has evolved immensely since I began my career at American Express. This was during the early days of ecommerce when people were wary of online transactions. Since then, we’ve seen extraordinary progress in the consumer payments space, and today, B2B payments are undergoing a similar transformation. I believe the PA is well-positioned to drive this change, helping B2B payments catch up to the level of innovation seen in consumer transactions. With AI and other technologies on the horizon, the PA can help guide this next wave of evolution, and I’m eager to contribute to this effort.
The UK has long been a hub of payments innovation, and I believe the PA plays an essential role in maintaining this leadership position. By supporting collaboration, mentoring companies, and fostering investment in the ecosystem, the Association helps businesses—big and small—thrive.
My extensive international experience, including the launch of innovations like Buy Now, Pay Later (BNPL) and payment orchestration platforms across Europe and North America, allows me to bring a unique perspective to the board. I want to help ensure the UK market continues to innovate and that companies remain competitive in an increasingly globalised and complex landscape.
What inspires me most about joining the Advisory Board is the opportunity to work alongside like-minded professionals to influence the future of payments and advocate for a balanced regulatory environment. The PA has always strived to balance customer benefits with regulatory needs, and this mission aligns closely with my own values. I am eager to contribute my knowledge, energy, and network to help the PA continue to be the conduit between businesses, government, and consumers—driving positive change in the payments industry.
The payments industry is on the cusp of significant changes, and The Payments Association must be ready to address several key challenges in the year ahead. One of the foremost challenges is maintaining the UK’s position as a leader in payments innovation while ensuring a fair balance between regulation and growth. The PA’s role in guiding this delicate equilibrium is critical—too much regulation could stifle innovation, while too little could expose customers to risks and undermine trust in the sector.
In the near future, upcoming regulations, such as those related to anti-money laundering (AML), fraud prevention, and PSD3, will place new demands on the industry, particularly for smaller players like remittance companies. Many of these smaller entities lack the regulatory teams or in-house expertise that larger organisations often have, and the PA must support them in navigating these changes. By ensuring these companies have access to resources and a level playing field, the PA can help foster innovation and competition across the sector. This is especially important for companies in emerging markets, which need support to both comply with regulations and protect their local communities.
Another key area for the PA to focus on is accelerating innovation in B2B payments. Historically, this space has lagged behind consumer payments in terms of technological advancement. However, with the rise of AI, machine learning, and other cutting-edge technologies, B2B payments are beginning to see significant improvements. The PA can play a crucial role in helping the industry embrace these changes, just as it did during the rise of ecommerce for consumers.
In addition to regulation and innovation, the PA should continue to emphasise the importance of diversity, equity, and inclusion (DEI) within the payments industry. Over the last decade, we have seen significant progress in attracting diverse talent to the sector. The PA has played a key role in this and created a platform for diverse thought, through networking opportunities, events and mentoring. The PA has the platform to further promote diversity at senior leadership levels and to make the payments industry an attractive career path for people from all backgrounds.
I bring a comprehensive understanding of the payments industry, having worked across various sectors—from consumer payments to B2B solutions and FinTech innovations—for more than 25 years. My career has spanned major players such as American Express, MasterCard, and Citibank, with roles that have taken me across Europe, the Middle East, and North America. My focus has always been on driving innovation, whether through scaling a BNPL company from €3 million to €70 million in revenue, which led to a successful sale to KKR, or launching cutting-edge payment orchestration solutions for global companies.
My depth of experience in cross-border transactions, digital currencies, and open banking, combined with a nuanced understanding of the regulatory landscape, positions me to add significant value to the Advisory Board. I have a track record of listening to the needs of customers and businesses and translating that feedback into actionable, innovative solutions. This ability to foresee trends and interpret regulatory shifts enables me to guide both large multinationals and smaller startups—each of which plays a crucial role in pushing the boundaries of the payments ecosystem.
I also bring a global perspective to the table. Payments are increasingly international in scope, and I have worked extensively in emerging markets where innovation is happening at an accelerated pace. The PA can play a vital role in ensuring these innovations are nurtured while protecting the interests of local communities. My network across the industry, from startups to large corporations, will allow me to introduce new opportunities for collaboration and help the PA continue to drive its agenda.
Finally, I bring a commitment to diversity, equity, and inclusion in the payments industry. Having seen the sector grow from a niche field to one of the most exciting areas of financial services, I am particularly passionate about encouraging the next generation of talent. I have mentored several individuals and companies throughout my career and will continue to promote diverse voices and perspectives in the industry.
Success as an advisor in this space means being recognized for driving real, tangible progress—helping the PA cascade and implement regulatory changes effectively while supporting innovation. Over the next 12-24 months, I will work to ensure the PA continues to be the go-to body for industry guidance and shape the future of payments.

Dmitry Tsymber

Founder
MultiPass
With almost 30 years of experience in the finance industry, I am willing to bring my expertise and strategic insights to The Payments Association Advisory Board. As someone whose experience covers corporate business, startup success, retail banking, and governance at professional associations, my insights will allow to make a meaningful contribution to the future of payments innovation and regulation.
The Payments Association’s commitment to collaboration and thought leadership aligns closely with my values. I am particularly interested in the opportunity to exchange knowledge and develop practical solutions that not only drive industry innovation but also protect consumers and ensure the sustainability of the payments ecosystem. Joining the Advisory Board is an opportunity to shape industry practices, particularly aligning regulatory frameworks with the operational realities of businesses.
I am motivated to help improve current industry practices and follow the global market shifts. I look forward to contributing my experience in governance, regulatory compliance, and strategic leadership, while also learning from and collaborating with fellow industry leaders. Together we can work towards creating an environment where regulatory standards are met in a way that supports industry growth and consumer confidence.
1. Defining priorities. While The Payments Association is growing and developing, so is technology. The focus should be on identifying, frequently revising and addressing the most pressing concerns of its members, while also keeping in mind the pace of change and market conditions.
2. Providing guidance and resources to help members navigate the challenges of compliance and AML standards.
3. Advocating for regulation and policies that protect consumers’ interests and is fair to businesses at the same time.
4. Fostering connections between the members and other industry players more effectively, initiating proactive knowledge exchange regarding different issues and solutions.
I am confident that business success, governance experience, and regulatory understanding I have would bring a valuable perspective to The Payments Association Advisory Board.
Having obtained licenses in several countries and overseen different financial products, I possess a deep understanding of regulatory frameworks and market dynamics in diverse geographical areas. I have seen how legislation in banking, lending, payment and consumer protection has been catching up with market practice and reacting to changes. This global perspective enables me to provide insights on regulation and industry standards that ensure compliance, while also advocating for business growth and innovation.
On the Advisory Board, I aim to promote a balanced approach to regulatory practices, combining operational efficiency with sound governance, while being aware of the constant challenges and opportunities in the global payments’ ecosystem, so that it serves a good purpose and helps industry to develop and not hinder technological development and inclusivity. This perspective will help the Advisory Board navigate the fast-changing payments landscape, ensuring that it remains at the forefront of innovation and industry best practices.

Elkhan Nasibov

Chief Compliance Officer and MLRO
Guavapay
With years of experience in the banking and financial sector specializing in compliance and regulatory affairs, I believe that the Payments Association Advisory Board is a unique opportunity to meaningfully contribute to the payments industry. At Guavapay – we are committed to bring innovations to payments and financial inclusion by democratizing payments beyond traditional banking systems. As the Chief Compliance Officer and MLRO at Guavapay, I’m confident that my experience and learnings will be valuable to the Payments Association.
I envision being part of the board will allow me to collaborate with industry leaders to shape the future of the payments industry, advocate for necessary reforms, and work towards a more connected and inclusive global financial ecosystem.
For the payments industry, navigating the complex landscape of financial regulations and the emerging technology trends in AI among the following concerns are paramount.
International regulatory challenges: As technology innovation is enabling financial institutions to offer globalized payments solutions with multi currency fund transfer, varying geo-political regulatory landscapes remains a main challenge. The Payments Association should focus on simplifying compliance processes and bring alignment to international regulatory standards.
Financial Inclusion: Providing payment solutions should not be limited to banks alone. Despite technological advancements, there should be greater awareness and inclusive efforts to provide financial solutions to the millions of people across the world who do not have a bank account. The Payments Association should prioritize bringing inclusive solutions to make payments and fund transfers more accessible, especially in underserved populations and regions.
Cybersecurity and Fraud Prevention: With the rapid growth in digital payments and the robust implementation of AI in technology platforms, the cybersecurity risk of fraud and data breaches are increasingly a concern for safety and security of individuals and businesses. Strengthening security and building consumer trust will be critical for the payment sector.
With our focus on cross-border transactions, real-time payments, and financial inclusion – I have seen the growth and impact of technology innovations at Guavapay, while successfully addressing global payments challenges over recent years.
Growing a company from scratch to a 450 + employee base and being at the helm of the compliance department within a rapidly growing financial company – implementing various customer centric policies and a robust financial intelligence unit to ensure high security standards in customer onboarding and overall customer journey has been a truly rewarding experience. Knowing the fact that our customers can rely on us for safe and secure financial services gives me the confidence that we have set high standards when it comes to fraud prevention. These experiences will be instrumental in building and establishing relationships with the wider network of banking partners, payment officials and others industry leaders.
My active involvement with the city life in London is a testament to my commitment to contribute towards the greater good of the society – representing both as a business and as an individual. In that spirit, I am honored to be the judge of the recently held Pay360 Award in London for two consecutive years (2023 and 2024).
Earlier this year, I was shortlisted by the International Compliance Association (ICA) – ICA Awards Europe 2024 for the category of ‘Compliance Leader of the Year’. The ICA Awards recognises teams and individuals across the global financial crime and regulatory compliance community.
It also gives me immense joy and sense of responsibility to be nominated as the Freeman of the City for ‘The Freedom for the City of London’.
I believe that I’ll bring a wealth of knowledge and expertise along with unique perspectives on the complexities of regulatory and compliance when it comes to the payment sector, while also advocating the importance of technology innovations to create solutions that not only enable easy fund transfers but are also secure and affordable. This includes insights into emerging markets, regulatory navigation, and the application of cutting-edge technology in financial services.
My deep commitment to driving industry collaboration will enable me to foster partnerships to further advance the payment ecosystem for all stakeholders involved.

Emily Corfield

Head of Financial Institutions Sales EMEA
StoneX Payments
With over a decade of experience in the financial services industry, Emily has held various leadership roles at prestigious organizations, including HSBC and J.P. Morgan.
Beyond her professional achievements, Emily is a passionate advocate for diversity, equity, and inclusion. Over five years, she co-led and contributed to J.P. Morgan EMEA Payments’ Women’s Network Committee, demonstrating her commitment to fostering an inclusive workplace.
Emily will be able to draw upon her industry perspectives from the largest banks in the world to where she sits at StoneX today. Additionally, as a campaigner for diversity, equity and inclusion she will bring energy and focus to these key areas.
– Commercialising cross-border payment opportunities to the emerging markets
– Migrating to and harmonisation of, ISO 20022
– Meeting G20 targets
– Interoperability of payment market infrastructures
Thought leadership.
Non-banking perspectives.
Banking perspectives.
Industry engagement
Extension of PA brand
Global network

Gary Palmer

CEO and Founder
Payall Payment Systems Inc.

As the founder and CEO of Payall Payment Systems, which has built world-first end-to-end software infrastructure for cross-border payments, I am passionate about advancing the global payments industry. I believe the Payments Association can play a pivotal role in shaping the future of payments, ensuring that cross-border payments become safer, faster, more efficient (fast and low-cost to the system) and inclusive. With decades of experience in banktech, regtech, and fintech, I aim to contribute my expertise in cross-border payments, regulatory compliance, and innovation to help drive impactful change within the payments ecosystem.

I believe The Payments Association should focus on addressing the critical lack of software infrastructure and specific technologies needed to make local and international payments safe, transparent, and accessible. Current systems often fail to provide the necessary speed, security, and cost-efficiency required, especially in cross-border transactions. This has left many people and regions excluded from the global banking system. The Association should work on promoting new software and technology innovations that close this gap, ensuring financial services reach underserved populations while reducing inefficiencies in international payments. Addressing these foundational issues will be key to creating a more inclusive, reliable, and transparent global payments network.

With over two decades of experience in fintech, including founding companies like Payall and WildCard Systems, I bring a deep understanding of cross-border payment systems, banking, compliance, and innovation. My work has centered on building breakthrough solutions that enhance payment security, efficiency, and transparency. As a seasoned entrepreneur and industry advisor to the Philadelphia Federal Reserve Bank, I bring a strong track record of leadership and collaboration, along with a global network that can help broaden the influence of the Payments Association.

Hugo Remi

CEO
Cardaq Limited

Because it is whole my life, I am doing it for already 18 years and have build many financial companies and worked with the world well known brands. I would like to share my experience and contribute to the Payments Association the make the United Kingdom landmark the best for the FinTech in Europe and the whole world.

To compete with the European Union and challenge it, we need to build much better regulatory environment and sign up for the new alternarnative union that was offered before the Brexit with the United States, Canada, Australia and New Zealand.

Vision and development of the UK FinTech outside the United Kingdom.

James Marchant

Deputy CEO & Chief Commercial Officer
nChain
Becoming a member of The Payments Association Advisory Board presents an exciting opportunity to contribute to the fast-evolving payments industry. I am eager to bring my experience and passion for payments innovation to this influential group.
With the industry undergoing significant disruption due to technological advances and shifting regulatory frameworks, I believe my background in financial services, technology, and payments strategy positions me to offer valuable insights. I aim to help shape emerging trends, foster innovation, and ensure the sector remains inclusive and sustainable.
The Payments Association’s emphasis on collaboration across the industry is a key reason I want to join the board. I am passionate about promoting partnerships between fintechs, financial institutions, and regulators, having firsthand experience with the challenges and opportunities these sectors face. The board’s ability to bridge these entities is crucial, and I would contribute to driving meaningful conversations and industry progress.
In addition, the opportunity to influence policy and advocacy efforts within the payments space motivates me. With increasing attention on issues like data privacy and open banking, it is important to balance compliance with innovation. I am committed to ensuring the industry thrives while meeting regulatory demands.
Lastly, I am driven by the chance to mentor emerging leaders and promote diversity in the sector. By serving on the board, I would support the next generation of professionals to foster a more dynamic and inclusive workforce.
In summary, I am keen to leverage my experience and collaborate with peers to shape the future of the payments industry through secure, innovative, and inclusive solutions.
In the year ahead, The Payments Association should address several key challenges to ensure the payments industry remains secure, innovative, and inclusive.
First, navigating regulatory compliance will be crucial. As regulations like PSD2 and GDPR continue to evolve, the industry faces growing compliance pressures. The Payments Association can assist members in understanding and adapting to these regulations while encouraging dialogue between regulators and businesses to strike a balance between innovation and compliance.
Second, strengthening cybersecurity must be a priority as digital payments increase the risk of cyberattacks and fraud. The Association can advocate for the adoption of advanced security measures such as multi-factor authentication, biometrics, and blockchain technology. By promoting industry-wide collaboration on threat intelligence, risks can be better managed across the payments ecosystem.
Another critical issue is financial inclusion. While digital payments are transforming the industry, many underserved populations are still excluded from these advancements. The Payments Association can champion efforts to improve accessibility to financial services, fostering partnerships that promote affordable solutions and supporting digital literacy initiatives to ensure no one is left behind.
Additionally, cross-border payments remain a significant challenge due to inefficiencies and high costs. The Association can work towards reducing friction in these transactions by promoting the adoption of digital currencies, blockchain technologies, and advocating for the standardization of global regulations to streamline international payments.
By addressing these challenges, The Payments Association can help ensure the payments industry remains responsive to regulatory requirements, secure from cyber threats, and inclusive of all populations.
As a member of The Payments Association Advisory Board, I would bring a wealth of experience in scaling technology-driven companies, deep knowledge of blockchain technology, and a proven track record of fostering innovation in the payments and fintech sectors.
With over 20 years of experience founding and leading technology companies, I’ve developed a strong background in creating and supporting innovative startups. At Block Dojo, where I served as Founder and Chairman, I incubated 76 blockchain startups, several of which are directly involved in payments. This experience gave me valuable insights into the challenges and opportunities within the payments ecosystem, particularly from the perspective of emerging businesses. By fostering innovation in blockchain and fintech, I have a clear understanding of how these technologies can transform payments and financial services.
In my current role as Deputy CEO at nChain, a global leader in blockchain technology, I have been at the forefront of developing and scaling blockchain solutions that have the potential to reshape the payments industry. My focus has been on building teams, developing strategic partnerships, and navigating regulatory complexities. I would bring this expertise to the Advisory Board, helping to drive forward-thinking initiatives and foster collaboration across the payments landscape.
I am also committed to ensuring that technological advancements, especially in payments, lead to greater financial inclusion. My experience in building and nurturing startups in the fintech space aligns with The Payments Association’s mission to promote accessible, secure, and innovative payment solutions for all.
In summary, I would bring strategic insights, a deep understanding of blockchain and fintech, and a strong commitment to fostering innovation and inclusivity in the payments industry.

Jazmin Achi

Chief Operating Officer
Privat 3 Money
I am excited about the opportunity to join The Payments Association Advisory Board, where I can contribute to the dynamic and rapidly changing landscape of financial services. With my extensive background in the payments industry and cross-border finance, I am well-equipped to provide valuable insights. As the Co-Founder and CEO of a Spanish Licensed Payment Entity, I have experienced firsthand the transformative impact of innovation in payments, particularly through groundbreaking services like Instant Payments and Payment Accounts. My journey in leading a modest startup to becoming a recognised NEO-Bank has offered me critical perspectives on both the opportunities and challenges involved in scaling financial services.
In my recent role as a member of the Advisory Board for Privat 3 Money UK, along with serving as Interim COO, I have deepened my commitment to driving strategic initiatives that enhance regulatory compliance, improve customer experiences, and stimulate innovation at the intersection of technology and finance. The Payments Association serves as a unique platform that enables industry leaders to influence the future direction of payments by fostering collaboration among diverse stakeholders. This collaborative approach is essential for guiding the ecosystem toward a more inclusive, secure, and resilient future.
I believe that my forward-thinking leadership style, combined with my extensive experience navigating regulatory environments, will be significant assets in shaping the future of payments within this influential forum. By leveraging my skills and insights, I aim to contribute effectively to The Payments Association’s mission of empowering its members and driving meaningful change in the payments sector.
One of the primary challenges that The Payments Association must tackle is ensuring regulatory compliance within an increasingly complex and globalised market. With new frameworks like PSD3 and the Digital Operational Resilience Act (DORA) redefining how businesses manage risk and resilience, it is essential for companies to grasp and adapt to these regulations, particularly when pursuing international expansion. My experience as a leader in a company that was an early adopter of PSD2 has underscored the critical balance between regulatory compliance and business innovation, making this a top priority for the Association.
Another significant challenge is cybersecurity and fraud prevention, which have become paramount as digital payments gain traction. The integration of innovative technologies such as blockchain, artificial intelligence, and real-time payments presents both opportunities and substantial risks. The Payments Association should prioritise equipping its members with effective strategies and tools to safeguard their infrastructures while continuing to innovate. Implementing advanced security measures, such as real-time fraud monitoring and multi-factor authentication, can help mitigate risks associated with digital payment fraud.
Lastly, financial inclusivity in payments must remain a focal point for The Payments Association. Ensuring that underserved markets have access to digital financial services is crucial for promoting global financial inclusion. Having worked extensively across Europe, Latin America, and the U.S., I recognise the importance of making payments accessible to all individuals, regardless of geographic or socio-economic barriers. By addressing these challenges, The Payments Association can play a pivotal role in shaping a more secure, compliant, and inclusive payments landscape.
I bring a wealth of experience in driving innovation, fostering strategic growth, and managing cross-border financial operations. As the former CEO of a Licensed Payment Institution, I successfully transformed a startup focused on remittances into a recognised leader in the NEO-Banking sector. My hands-on experience in implementing groundbreaking solutions such as Instant Payments and Payment Accounts has equipped me with a profound understanding of navigating regulatory compliance, scaling operations, and integrating cutting-edge technologies.
My successful track record in mergers and acquisitions has further honed my leadership skills, particularly in managing complex projects and fostering collaboration across diverse teams. Additionally, my international perspective—gained from extensive work across Europe, Latin America, and the U.S.—enables me to contribute meaningfully to discussions on global payments trends and challenges.
My vision for the Advisory Board is to provide guidance that not only emphasises innovation but also prioritises secure, compliant, and inclusive payment solutions. I am eager to collaborate with my fellow board members to drive meaningful progress in the payments industry, ensuring that we address both current challenges and future opportunities effectively.
Together, we can shape a resilient and forward-thinking payments landscape that benefits all stakeholders.

Johannes Kolbeinsson

CEO, co-founder
PAYSTRAX
With over 20 years of experience in the payments industry, I have witnessed firsthand the significant transformation within this field. My journey began in 2002 when I co-founded KORTA PAY (now RAPYD Europe), Iceland’s first independent debit- and credit-card acquirer. KORTA PAY disrupted a long-established duopoly in the Icelandic market by offering innovative payment solutions and competitive pricing models. Under my leadership, KORTA PAY revitalized the Icelandic payments market and expanded internationally, despite facing significant antitrust challenges from competitors. By 2016, the company had achieved remarkable success, ranking at 106 on the Inc. 5000 Europe list of the fastest-growing companies. This success was recognized in 2018 when I was awarded the prestigious Management Award for Entrepreneurship by the President of Iceland.
In 2018, I founded PAYSTRAX with the goal of continuing to disrupt the European payments market with cutting-edge FinTech solutions, highly competitive rates, and a streamlined merchant onboarding process. As a current member of The Payments Association in the UK, I have already taken full advantage of the opportunities offered by the association. I have proudly participated in Parliament meetings, attended PA@City events, and engaged in PAY360 and Pay360awards, where PAYSTRAX was shortlisted as a nominee for one of the awards this year.
Being actively involved in industry organizations such as EPSM, Fintech Hub Lithuania, and The Payments Association, I have contributed to the evolving regulatory landscape of payments. My involvement demonstrates my passion not only for staying up-to-date but also for playing a proactive role in shaping positive changes within the industry. I regularly attend key regulatory events, including the FCA’s annual public meetings, where I stay informed about regulatory developments and their impact on the payments ecosystem.
On a personal level, my commitment to the payments industry goes beyond professional obligations. Some might say I’m not a workaholic, but I certainly turn my hobby into work. Whether it’s reading up on the latest trends during my free time, or even analysing receipts that I receive, payments became an integral part of my daily life. It’s my genuine interest for the industry that drives me to continuously gather insights and stay informed, and I believe being a part of the Advisory Board would enable me to share that knowledge more effectively.
I believe joining The Payments Association Advisory Board would provide me with an excellent platform to further contribute to the industry on a deeper level. My experience has given me a broad perspective on both the regulatory and operational challenges that companies in the payments space face. As a member of the advisory board, I would bring this knowledge to help shape the direction of the industry, ensuring that innovations and best practices continue to thrive. It would also allow me to move from being an active participant in the Payments Association to a contributor in influencing its broader goals and strategies.
One of the key challenges The Payments Association could focus on in the year ahead is addressing the growing regulatory burden, particularly for smaller entities within the payments ecosystem. As highlighted during the FCA’s recent Annual Public Meeting, it’s important to ensure that supervision and reporting requirements are proportional to the actual risks posed. Over-supervision can stifle competitiveness, especially for smaller companies, which often bear a disproportionate regulatory burden. It was encouraging to hear from the FCA chairman that they recognize the need for keeping regulatory requirements aligned with the risks involved. Payment services legislation, along with additional requirements like AML/CTF, GDPR, and sector-specific regulations such as PCI and card scheme rules, create significant challenges for smaller market participants.
Excessive regulatory demands can also hinder innovation, which is critical to the ongoing growth of the payments industry. When companies are consumed with compliance, the resources that could be directed toward innovation are diverted to meet these obligations. Furthermore, the ambiguity or overly strict nature of some regulations creates uncertainty, leading employees to avoid taking innovative risks out of fear of non-compliance. This suppresses creativity and creates a risk-averse culture that limits innovation and overall market growth. It’s crucial that regulations are designed in a way that encourages innovation while ensuring security and compliance within the sector.
Balancing regulation and innovation are essential. The Payments Association should continue advocating for a regulatory framework that supports innovation without compromising on oversight. By focusing on regulations that bring tangible benefits, improve processes, simplify procedures, and promote efficiency, the payments sector will see better services for consumers and greater competition that drives down costs.
In addition, The Payments Association is a hub for fintech and payments companies, fostering collaboration and connections between like-minded professionals. It should continue to support an environment that encourages partnerships and shared goals. Strengthening these relationships will help businesses navigate industry challenges together, as well as inspire innovation and efficiency through collective knowledge and effort.
As a member of The Payments Association Advisory Board, I will bring a forward-thinking and collaborative mindset, along with a focus on practical solutions that foster growth and innovation in the payments industry. My approach is shaped by a strong belief in the value of collaboration across the fintech ecosystem. I see the Advisory Board as a place to connect like-minded professionals and work towards common goals, ensuring that companies, large or small, can thrive.
Having worked in multiple markets, I bring an international perspective to the table. This helps me understand how different regulations and market environments impact companies, and I can offer insights into navigating these complexities, especially in a way that encourages cross-border collaboration. I’m also keen to focus on emerging trends like cybersecurity, compliance, and evolving consumer behaviors, making sure that the Advisory Board remains at the forefront of industry developments.
Lastly, my hands-on experience in scaling businesses and navigating the complexities of both large and small organizations enables me to offer valuable insights into how The Payments Association can better support companies of all sizes—from startups to established players. My goal is to help ensure that every business can thrive in an increasingly competitive and ever-evolving industry.

Juspal Manic

President EMEA & APAC
Featurespace
Juspal Manic has been a pivotal figure in the payments industry for over two decades, with a career that began during TSYS’s early expansion into the UK back in 2001. As one of the first employees to help establish TSYS in the region, Juspal spent 23 years immersing himself in the intricacies of the payments ecosystem. His career is characterized by a deep commitment to solving real-world challenges for banks, fintechs, and financial institutions, with a continual focus on consumer needs and fraud prevention, ensuring the utmost dedication to the interests of the industry stakeholders.
Juspal’s tenure at TSYS spanned several leadership roles, including five years leading the Central European business while based in Germany. During this time, he gained a comprehensive understanding of the European payments landscape, managing relationships across Germany, Switzerland, Italy, and beyond. His international experience expanded further during his 4.5 years working in the U.S. market, giving him a global perspective on the diverse challenges and opportunities within payments, instilling confidence in his ability to navigate the global payments landscape.
One of Juspal’s most impactful contributions at TSYS was leading the PSD2 and Open Banking initiative. This strategic project, serving 30 clients, demonstrated his ability to navigate complex regulatory environments and deliver solutions that positively impacted both the industry and cardholders. His work in this area highlighted the importance of regulation in driving innovation, particularly in combating fraud and securing customer journeys.
In addition to his regulatory work, Juspal was instrumental in developing the award-winning Foresight Fraud Model with Featurespace while at TSYS, which has since been adopted by over 38 banks globally. This model, a result of two years of dedicated collaboration with clients, focused on solving key fraud challenges in the evolving payments landscape. Juspal’s ability to translate customer pain points into innovative technological solutions has positioned him as a leader in fraud prevention strategies.
Juspal’s transition to Featurespace as the President of EMEA and APAC was a natural progression in his career. Being a previous client of Featurespace — where he had implemented their fraud solutions to address critical market needs — uniquely equipped him to take on this leadership role. At Featurespace, Juspal continues to drive the adoption of advanced AI/ML technologies to tackle fraud, authentication, and secure payments across the globe.
Beyond his leadership roles, Juspal’s dedication to the industry extends to his contributions to the Bank of England’s Digital Pound Privacy Committee. In this capacity, he is helping shape the policy framework around the digital pound, further underscoring his commitment to ensuring that new technologies are developed responsibly and in the best interest of consumers.
Juspal Manic’s extensive experience includes launching payments solutions, driving regulatory initiatives and fostering collaboration across the industry. This makes him an ideal candidate for the Payments Awards Advisory Board. His global perspective and his passion for using technology responsibly to protect consumers and improve the payments ecosystem align perfectly with the Advisory Board’s mission to make payments work for all.
In the year ahead, I believe The Payments Association should focus on several key challenges that are shaping the future of payments, particularly in areas of fraud prevention, consumer education, digital currency adoption, and regulatory changes.
1. Navigating the Changing Landscape of Consumer Push Payments and Fraud Prevention
The continued rise of consumer push payments, such as Faster Payments and Open Banking-enabled transfers, has brought convenience but also significant challenges, particularly in the area of fraud. The surge in Authorised Push Payment (APP) fraud demonstrates the vulnerability of these systems and the need for robust protective measures. The Payments Association should focus on developing frameworks that ensure both financial institutions and consumers are adequately protected. This includes working closely with industry stakeholders to implement sophisticated fraud prevention technologies, but also creating widespread consumer education initiatives. Consumers need to be informed of the risks associated with push payments, such as social engineering and impersonation fraud, and empowered with the knowledge to spot red flags before a transaction occurs.
2. Preparing for the Introduction of the Digital Pound
As we move closer to the introduction of a digital pound, it is crucial to ensure that the same mistakes we see with APP fraud aren’t replicated in the digital currency landscape. One of the key challenges here will be managing the generational split in adoption. While younger generations may readily adopt digital currencies, older generations may be more resistant, leading to potential gaps in adoption and knowledge. The Payments Association must be at the forefront of ensuring that privacy concerns are addressed for all groups. Privacy will be a central issue, especially with increased fears about data security in a digital economy. Ensuring that the digital pound is built on a foundation of trust, with clear privacy protections, will be critical to widespread acceptance and consumer confidence.
3. Adapting to Regulatory Changes: PSD3 and Open Banking Expansion
The upcoming regulatory changes, particularly PSD3 and the ongoing expansion of Open Banking, offer opportunities to drive financial inclusion and improve consumer rights, but they also present challenges that need proactive solutions. PSD3 will likely push the industry further towards open finance, requiring not only technology upgrades but also a rethink of how data is shared securely across different financial players. Meanwhile, the expansion of Open Banking brings the potential to democratize access to financial services, offering more inclusive banking options to underserved communities. However, achieving this potential requires the right regulatory and technological support. The Payments Association should champion initiatives that ensure financial institutions are well-prepared for these changes, focusing on making Open Banking truly accessible and safe for consumers, while also ensuring that it drives innovation and fair competition across the industry.
By addressing these areas, The Payments Association can continue to lead the industry through the next phase of payments evolution, ensuring a balanced, consumer-centric approach while supporting technological advancement and regulatory compliance.
As a member of the Advisory Board, I would bring a wealth of experience in the payments ecosystem, a deep understanding of fraud prevention strategies, and a unique global perspective shaped by my 23-year career across multiple markets. Having held leadership positions in both Europe and the U.S., I have developed a broad view of the challenges and opportunities that lie ahead for the industry, particularly as we face rapid technological advancements and evolving regulatory landscapes.
1. Expertise in Fraud Prevention and Consumer Protection
With my extensive background in fraud detection and prevention, I would bring a sharp focus on how we can tackle the rising threat of fraud, especially in the context of push payments and digital currencies. My experience developing award-winning fraud models, such as the Foresight Fraud Model used by 38+ banks globally, has given me a deep understanding of the importance of building solutions that address real market needs. I will leverage this expertise to help guide the Board in developing industry-wide strategies for protecting consumers from evolving fraud tactics, particularly as the payment landscape shifts towards more digital and real-time solutions.
2. Leadership in Regulatory Change and Compliance
Having led the PSD2/Open Banking initiative at TSYS for 30 clients, I am well-versed in how regulatory changes can drive both challenges and innovation. I would bring this knowledge to the Board, helping members navigate upcoming regulations like PSD3 and the continued expansion of Open Banking. I believe in a collaborative approach, where regulation serves as a catalyst for improved consumer protections and financial inclusion, rather than a barrier to innovation. My experience in implementing solutions that not only comply with regulations but also enhance the customer experience will be an asset to the Board’s discussions on how best to respond to these shifts.
3. A Global Perspective on Payments Innovation
My time leading business units in Central Europe, the U.S., and APAC has given me a comprehensive view of regional payment trends and the ability to identify global best practices. I have worked closely with fintechs, neobanks, and traditional financial institutions across these markets, helping them implement forward-thinking solutions that enhance the consumer journey. As we move towards new payment methods like the digital pound, I will offer insights on how we can ensure an inclusive, privacy-focused rollout that addresses the needs of both consumers and businesses on a global scale.
4. Passion for Responsible AI and Technology
At Featurespace, I have seen firsthand the power of AI and machine learning in solving fraud and authentication challenges. As a long-time advocate for responsible AI use, I would bring to the Board a commitment to ensuring that new technologies are developed and implemented in ways that prioritize consumer trust, data privacy, and ethical standards. I am eager to contribute to discussions on how we can strike the right balance between innovation and responsibility as the payments industry continues to evolve.
In summary, I would bring a blend of technical expertise, regulatory knowledge, and a global perspective, all grounded in a deep passion for making payments work for all.

Kirill Lisitsyn

Co-founder & CEO
Torus
I am eager to become a member of The Payments Association Advisory Board for several reasons. With over 12 years of consulting experience in the banking and payments industry, including my roles at Accenture and Mastercard, I have developed a comprehensive understanding of the challenges and opportunities that organizations face in this rapidly evolving sector.
As a co-founder of Torus, an award-winning SaaS intelligence platform, I have dedicated my career to empowering banks and fintechs to enhance their profitability through data-driven insights. Our platform focuses on optimizing card scheme fees and improving transactional earnings, which has equipped me with a robust skill set in data analytics and strategic pricing.
I am particularly passionate about leveraging existing payment data flows to optimize costs associated with card schemes like Visa and Mastercard. I believe that by focusing on data analytics, we can uncover actionable insights that drive efficiency and balance pricing within the payments ecosystem.
Joining the Advisory Board would allow me to contribute to meaningful discussions around these critical topics and collaborate with other industry leaders. I am eager to share my insights and learn from fellow board members as we navigate the complexities of our industry together. Ultimately, I see this as an opportunity to help shape the future of payments while driving innovation and growth within the sector.
1. Scheme Fees and Cost Management: Rising scheme fees from card networks can squeeze margins for both merchants and payment processors. The Payments Association will need to address how these costs are communicated and managed, ensuring that stakeholders understand their implications.
2. Pricing Transparency: There is a growing demand for transparency in pricing structures related to card payments. The association will need to work towards clearer communication of fees associated with card transactions to build trust among merchants and consumers.
3. Data Analytics Utilization: Leveraging data analytics effectively will be crucial for understanding transaction patterns and consumer behavior. The challenge lies in ensuring that stakeholders have access to actionable insights while maintaining compliance with data protection regulations.
4. Competitive Pricing Models: As fintechs and alternative payment methods gain traction, traditional card payment providers must adapt their pricing models to remain competitive. The association will need to explore innovative pricing strategies that can attract both merchants and consumers.
5. Consumer Education on Card Payments: With the complexity of fees and charges associated with card payments, educating consumers about how these costs are structured and the value they receive is essential. This will help mitigate dissatisfaction and enhance user experience.
6. Impact of Digital Wallets and Contactless Payments: The rise of digital wallets and contactless payment methods may alter the landscape for card payments. Understanding how this shift affects interchange fees and merchant acceptance will be important for strategic planning.
I believe I could add material value around card payments pricing transparency and competitiveness through utilization of data insights, e.g.:
1. Card Payments Expertise: I will bring extensive experience in the card payments ecosystem, enabling me to provide valuable insights into payment processing, fraud prevention, and compliance. This knowledge will help us navigate the complexities of the industry effectively.
2. Data Analytics Utilization: I will emphasize the importance of leveraging data analytics to drive insights from transaction data. By analyzing consumer behavior and payment trends, we can improve decision-making and operational efficiency, ultimately enhancing our service offerings.
3. Increasing Pricing Transparency: I am committed to advocating for greater pricing transparency across the entire card payments value chain. By clearly communicating costs and fees to clients, we can build trust and foster stronger relationships.

Lorraine Mouat

Head of Payment Services
Thistle Initiatives
There are a number of reasons why I feel passionate about becoming a member of TPA’s Advisory Board. I have outlined these below, in order of importance:
Shaping the future of Payments: I am eager to contribute to the strategic conversations that will influence and shape the future of payments. With my experience in advising and guiding payment firms, I bring a pragmatic, real-world perspective to discussions on regulation and policy. The payment sector is evolving rapidly, and I am passionate about promoting innovation and competition. However, I also appreciate the importance of a balanced regulatory framework that allows firms to thrive while maintaining consumer protection.
Driving positive changed: I am excited about the potential to lead and support key initiatives, particularly those that promote financial inclusion and transparency, and other matters that are crucial to ensuring the benefits of payments innovation reach all parts of society. Being part of an advisory board that prioritises such goals aligns perfectly with my own commitment to improving access and fairness in financial services.
Expanding on current invovlement: As a member of TPA’s policy and regulatory working groups, I continue to contribute towards driving positive change in the payments sector. By joining the advisory board, I would have the opportunity of deepening this involvement, working even more closely with key industry bodies to ensure that policies remain relevant and supportive of the ever-evolving payments ecosystem. This is an opportunity to expand my impact on the sector at a strategic level.
Leverging experience: With a strong background in regulatory compliance and risk management, I can bring valuable insights to guide the strategic direction of TPA. This includes my knowledge and awareness of the challenges facing payment firms, along with a clear understanding of the regulatory landscape. This would permit me to provide pragmatic solutions that align with industry needs and regulatory requirements.
Personal growth: From a personal perspective, joining the advisory board would be a valuable opportunity to further my professional profile. Being associated with TPA at this level would not only allow me to build on my thought leadership in the payments space but also connect me with like-minded industry leaders who share my passion for advancing the sector.
The primary challenges facing the payments sector, beyond the upcoming APP fraud rule changes, centre around the delicate balance between fostering innovation and competition while navigating a complex regulatory landscape. Regulators themselves are still adapting to this rapidly evolving sector. Key developments such as the move towards the CASS regime for safeguarding, the introduction of PSD3, and the unanswered questions surrounding when and how SMCR will be implemented are critical considerations.
Operational resilience is another pressing issue, with the March 2025 deadline fast approaching. The ability of payment firms to withstand and recover from disruptions will come under increased scrutiny.
TPA should consider new entrants to the market from outside of the UK, from regions like the Middle East. These new competitors will challenge existing firms to remain agile and competitive in a global market.
As both firms and regulatory frameworks evolve, the Payments Association must be prepared to support the sector. In the year ahead, this will involve identifying opportunities for innovation, enhancing resilience, and strengthening the commitment to maintaining the stability and security of the payments ecosystem.

Energy, enthusiasm, pragamtism, experience and a solid grounding in the world of payments. Having been in financial services operations, compliance and now as a consultant, I will bring over 25 years of regulatory expertise and a keen desire to do the best for this sector, whilst remaining realistic and considered.

Louise Hill

Co-Founder and CEO
GoHenry
Grounded in GoHenry’s mission to make every kid smart with money, I am a passionate advocate for financial education and elevating kids’ and teens’ voices in the payments sector as the next generation of consumers and the future of the economy.
GoHenry exists to make financial education accessible to every child and teen. I believe that by empowering young people with the tools to understand money early, we are helping to shape a generation of financially responsible adults. Our work is not just about providing a product, but about fostering independence and confidence, allowing kids to learn essential life skills through hands-on experience. Doing good by doing business means that while we grow as a company, we are also making a positive impact on families, schools, and society as a whole. Financial literacy is the foundation for a secure future, and I’m proud to play a role in that journey.
I would like to use my voice on The Payments Association Advisory Board to elevate the voices of young people within the payments industry to ensure not only that it’s an inclusive environment for people from all backgrounds, but that it’s future-proofed and forward-thinking, with the next generation of consumers always front of mind.
With a new government in place, the year ahead provides a strong opportunity to create change and I would like to see The Payments Association focus on the following areas – in no particular order:
– Working on smarter, more responsive regulation and support from the FCA to enable innovation and encourage growth within the sector both from incumbents and new businesses.
– Digital ID advancement to further protect businesses and consumers and make the payments industry more accessible to all.
– Wider adoption of Open Banking to remain a world leader in finance by creating a frictionless customer experience and providing reassurance (and therefore uptake) amongst consumers of the benefits that Open Banking brings to them.
– Financial inclusion. As a business built to give young people access to the digital world of finance, we recognise that the payments industry still has room for growth in promoting inclusion. This can be achieved by offering better education at the point of sale and through demystifying products like investing, encouraging people from all backgrounds to build robust financial futures.
Passion, connections, and experience growing an international business and a new category in payments from scratch. Crucially, I can provide a kids’-eye-view of the payments sector as the next generation of consumers it needs to be catering for.
I pioneered the kids’ payments space when I launched GoHenry in 2012. GoHenry was the first of its kind, revolutionising financial education for young people and bridging a gap that was widening in an increasingly cashless world. Fast forward 12 years and 1 in 5 UK kids aged 10-12 now own a GoHenry card.
As COO and now CEO, I have played a pivotal role in GoHenry’s growth, taking the business international through our acquisition of European payments company, Pixpay, and, more recently, our merger with US fintech Acorns, aligning with GoHenry’s mission to promote financial wellness for the entire family. This strategic partnership expanded GoHenry’s reach to five countries, establishing the company as a global leader in financial education and wellness across the US, UK, and EU markets.
I’ve also campaigned tirelessly over the last few years to make financial education a mandatory subject in all schools from primary age. This year, I provided evidence to the Education Select Committee, influencing its recommendations for the government to strengthen financial education in primary and secondary schools.
In addition to my work in financial education, I am actively involved in the Unicorn Council for UK FinTech demonstrating my commitment to driving growth and excellence in the sector. With a strong focus on women in business, I have inspired numerous female founders to achieve success in traditionally male-dominated industries, such as the payments and fintech industries. My work in these fields was recognised with a nomination for the Veuve Clicquot Bold Woman Awards.
Last but not least, through conversations with our young members and access to a wealth of real-time anonymised payments data, I can offer a fresh perspective on what the next generation wants, demands and deserves from the payments industry. All crucial to the sector’s future success.

Michael Galvin

Co-Founder and Chief Partnership Officer
Toqio
The Payments Association (PA) has traditionally focused on companies within the payments sector, but we are witnessing a significant shift. With the rise of embedded finance, non-financial companies are increasingly playing a critical role in the payments ecosystem. As we move forward, it will be essential for PA to expand its scope to include these emerging players which we understand to be already happening today with the inclusion of merchants into the member ecosystem, ensuring the organisation remains at the forefront of industry innovation.
Mike Galvin, with his extensive experience and forward-thinking approach, is eager to contribute to this evolution. By being proactive in supporting the expansion of PA’s membership to include non-financial companies, Mike can help the association become more inclusive of new players driving financial innovation. His vision aligns with the current trajectory of embedded finance, where businesses outside the traditional financial sector integrate payments directly into their offerings. This trend will fundamentally reshape the industry, making it crucial for the PA to represent this broader base.
This shift represents a significant growth opportunity for PA. By expanding its membership beyond traditional payment companies, the association can create a more diverse and inclusive ecosystem. This diversity would not only provide fresh perspectives but also broaden the understanding of how payments can be grown and innovated across the UK economy. As embedded finance continues to blur the lines between industries, a more diverse membership will help the association stay relevant, dynamic, and better equipped to address the evolving challenges and opportunities within the payments landscape.
Furthermore, Mike’s deep experience across sectors—from payments to non-payments companies—gives him a unique vantage point. He understands the different needs and dynamics of both sides, and he’s well-positioned to bridge the gap between them. His active participation on the PA Advisory Board would ensure the association is not only anticipating market shifts but leading them.
In summary, Mike Galvin’s involvement in the PA Advisory Board would help the association capitalise on the growing intersection between non-financial companies and payments. This strategic expansion would not only benefit the existing membership but also attract new members and create a richer, more forward-thinking community within PA.
One of the primary challenges The Payments Association faces is the need to represent a rapidly changing industry. With the rise of open banking, AI and embedded finance, non-financial companies are becoming significant stakeholders in the payments ecosystem. If the market plays out as we expect, these non-payments companies will increasingly seek a voice within the industry, and PA must be prepared to adapt.
Currently, PA primarily represents the interests of traditional payments companies. However, the emerging landscape requires a more inclusive approach that gives non-financial companies—those integrating financial services into their offerings—a seat at the table. This change will require a broader vision, one that considers the needs of companies that are not traditionally part of the payments industry but are now critical players in it.
Another key challenge will be to maintain PA’s relevance as the market evolves. If PA doesn’t move swiftly to embrace this shift, it risks being only half-representative of the future payments ecosystem. The association must look beyond its core members and anticipate the needs of the broader market, including sectors like retail, technology, and logistics, where payments are becoming increasingly integrated into the customer experience.
Moreover, regulatory challenges will also be crucial for PA to navigate. As embedded finance expands, regulatory frameworks may struggle to keep up with the pace of innovation. PA must play an active role in shaping these frameworks to ensure they facilitate growth while protecting consumers and businesses.
Lastly, fostering innovation within the traditional payments industry while embracing new entrants will require balancing stability with adaptability. PA will need to act as a bridge, ensuring that the association represents both the legacy players and the innovative newcomers.
Mike Galvin offers a unique skill set and perspective that would be invaluable to The Payments Association Advisory Board. He has extensive experience straddling both the payments and corporate worlds, enabling him to see both sides of the growing opportunities in embedded finance.
Mike’s current role as Co-founder and Chief Partnership Officer at Toqio allows him to lead partnerships across a broad ecosystem that includes banking, payments, issuing, and acquiring. This hands-on experience in navigating multiple aspects of the financial services landscape gives him a holistic view of the industry. Additionally, Mike’s work with non-financial companies like Mahou, Dropship Agent and the UN provides insight into how businesses outside the payments industry can leverage financial services for growth—an area that will be key for PA’s future.
Furthermore, Mike’s board experience spans over 15 years, with roles at organisations such as Webhealth South Africa and Petrocorner. He has proven success in driving substantial growth, having helped grow Webhealth from zero to 5,000 employees and Petrocorner grow to 65 petrol stations. This ability to scale businesses is a valuable asset that he would bring to the PA Advisory Board, especially as the association looks to expand its membership and influence.
His strategic insight into embedded finance, coupled with a proven track record of leadership and growth, makes him a valuable candidate. Mike is well-versed in the intricacies of both payments and corporate growth, and he will use his expertise to help PA expand its membership beyond traditional payments companies and foster a more inclusive, future-ready industry ecosystem.

Michael Rolph

CEO
Monavate
Michael Rolph is a payments veteran with over 25 years of experience, specialising in digital payments, card issuing, loyalty solutions, and embedded finance. As the CEO of Monavate, he’s leading the charge in simplifying payment solutions for businesses, driving innovation in cloud-based BIN sponsorship and card issuing services. Michael’s expertise spans both the dynamic startup world (he co-founded the globally renowned mobile payment and loyalty platform, Yoyo Wallet) and the established financial sector (with stints at Mastercard and ConnexPay). His focus? Building customer-centric payment solutions that are sustainable, scalable, and actually make sense.
Let’s be honest, the payments industry can be a bit of a maze. Jargon overload, outdated tech, and a whole lot of “that’s how it’s always been done.” But Michael? He’s a firm believer that payments should be a catalyst for growth, not a barrier to it. That’s why he’s passionate about the future of payments and the need for a more inclusive and sustainable ecosystem.
Over his 20 years in the industry, Michael has seen it all – from the challenges of navigating complex regulations to the thrill of launching groundbreaking fintech solutions. As a forward-thinking leader, he’s not just observing the changes he’s actively shaping them.
The Payments Association is a community committed to making payments work for everyone, and Michael sees the Advisory Board as a unique opportunity to collaborate with like-minded leaders and make a real impact.
As the CEO of Monavate, Michael leads a company that’s all about simplifying payments and breaking down traditional barriers. His experience with founding and scaling a fintech startup has given him a deep understanding of customer engagement, regulatory landscapes, and the tech that makes payments tick.
Michael’s not just about talk he’s about action. He’s eager to share his insights on driving innovation while balancing profitability and sustainability. He sees the Advisory Board as the perfect platform to contribute to meaningful policy discussions and help create a payments landscape that benefits everyone – from startups to established giants.
He’s particularly keen to tackle the challenges facing the industry today, including:
Taming the regulatory beast: Making compliance less of a headache for businesses.
Bridging the gap between old and new: Helping traditional institutions embrace fintech innovation.
Unlocking global potential: Enhancing cross-border payment solutions and making them accessible to all.
Ultimately, Michael’s goal is to ensure that payments work for everyone – businesses, consumers, and society as a whole. He believes that his participation on the Advisory Board will allow him to contribute to a more inclusive, efficient, and innovative payments ecosystem.
Michael’s not just another suit in the boardroom. He’s a payments veteran with a proven track record of success, a knack for solving complex problems, and a genuine passion for making payments work better for everyone.
He’s a collaborative leader who thrives on building relationships and finding solutions that benefit the entire industry. His experience with startups and established financial institutions gives him a unique perspective and the ability to bring together the worlds of tradition and innovation.
If you’re looking for someone who’s not afraid to challenge the status quo, passionate about making payments more accessible and efficient, and has the experience to back it up, then Michael Rolph is your guy.

Mike Shafro

CEO and Founder
xpate

As the CEO of xpate, I’ve seen firsthand how digital businesses are transforming global commerce. However, they face unique challenges, especially in gaining access to traditional financial infrastructure. The Payments Association is uniquely positioned to influence industry standards, advocate for emerging payment technologies, and create opportunities for collaboration across the ecosystem. I want to contribute xpate’s innovative perspective and help shape the future of the payments industry by fostering greater inclusivity, transparency, and efficiency for digital-first businesses.

One of the key challenges is the growing demand for real-time, cross-border payments. As businesses globalize, they need payment solutions that can operate seamlessly across multiple jurisdictions and currencies. Another challenge is the increasing complexity of compliance and regulation, especially with the rise of digital currencies and decentralized finance.
However, with these challenges come great opportunities. The industry is ripe for disruption, particularly through the use of AI, machine learning, and blockchain technologies to streamline payment processes and enhance security. The shift toward embedded finance also presents an opportunity for payment providers to integrate their services more deeply into digital platforms, simplifying operations for businesses and consumers alike.
The Payments Association plays a critical role in facilitating dialogue between key stakeholders, including fintech companies, traditional financial institutions, regulators, and governments. By advocating for regulatory clarity and fostering innovation, the association can help create an environment where emerging payment solutions thrive. It can also encourage collaboration between incumbents and innovators, helping to bridge the gap between traditional financial infrastructure and the needs of modern businesses.
The association’s focus on education and thought leadership is another key avenue to help members stay ahead of trends and regulatory shifts, ensuring that companies are equipped to meet the evolving demands of the payments landscape.

I bring over a decade of experience in building and scaling xpate, a global payments platform designed to simplify complex financial processes for digital businesses. My expertise spans fintech innovation, payments infrastructure, multi-currency support, and global expansion. xpate’s focus on accessibility and simplifying financial operations gives me unique insights into the needs of modern digital businesses—whether they’re online retailers, SaaS companies, or fintech startups. Additionally, my international experience allows me to offer a global perspective on regulatory challenges and emerging payment trends across diverse markets.

Neil Wake

CEO
Dialect Communications Limited
Joining the Payments Association advisory board is an excellent opportunity for myself, particularly with more than 30 years of experience in the payments industry and my role as a CEO of Dialect. I have placed below some of the compelling reasons why I would like to be considered:
1. Influence Industry Direction
With my background in the payments industry, I have a wealth of knowledge that can shape the future of the field. Working closely with regulatory bodies, other industry associations, and major stakeholders to guide and influence the direction of policies, standards, and innovations. By lending my voice and insights, I can help steer critical conversations that impact businesses, consumers, and the entire financial ecosystem. This is a unique opportunity to contribute to making the industry more secure, efficient, and inclusive.
2. Expand My Network
Sitting on an advisory board places me in direct contact with other industry leaders, decision-makers, and innovators. I will collaborate with executives from leading companies, regulatory agencies, and emerging fintech firms, offering me the opportunity to build meaningful relationships and foster partnerships. This can lead to business collaborations, investment opportunities, and strategic alliances that can benefit many businesses. Networking in this capacity also broadens my own exposure to cutting-edge trends, new market entrants, and disruptive technologies.
3. Stay Ahead of Industry Trends
In the fast-evolving payments industry, staying ahead of trends is critical. Being on the advisory board allows to frequently deal with emerging technologies, innovations, and regulations before they become mainstream. By being part of such a group, I will have early access to insights on topics such as AI-driven payments, real-time payments, fraud measures and regulatory changes. This gives me an advantage in preparing other businesses for future shifts in the market, enabling me and the PA to maintain a competitive edge.
4. Contribute to Innovation
The payments industry is undergoing a transformation, driven by technological advances and shifting consumer expectations. With my extensive experience, I can contribute to innovation in ways that others may not be able to. My understanding of legacy systems, customer pain points, and regulatory hurdles can be invaluable in shaping forward-thinking solutions. Whether it’s advising on the creation of new payment platforms, enhancing security measures, or improving cross-border payment processes, my knowledge and expertise can have a tangible impact on the future of payments.
5. Give Back to the Industry
After spending three decades building my career in payments, joining an advisory board allows me to give back to the industry that has helped shape my professional life. I look forward to mentor emerging leaders, share the lessons I have learned, and offer guidance to companies that are navigating the complexities of the industry. My contributions can help ensure the continued growth, stability, and security of the payments ecosystem. Additionally, it allows me to leave a legacy by helping to shape the next generation of payment solutions and industry leaders.
6. Broaden my own Personal Development
Serving on an advisory board will also be an opportunity for my own personal development. Being exposed to different viewpoints, challenges, and business models will expand my thinking and broaden my problem-solving skills. The advisory board requires strategic foresight, risk assessment, and collaborative decision-making, which can further enhance my leadership abilities and provide new perspectives to apply within my own business and wider.
Main challenges are working with the new government on the latest regulatory changes (e.g APP fraud) and some the challenges around ID verification and related fraud. Also bringing
the Payments Industry up to speed on the challenge and opportunity around artificial intelligence. New technologies and the advancement of crypto payments will need to be looked at and selfishly bringing a focus on customer experience, removing barriers and ensuring frictionless experience is embraced by the Fintech and payments community.

Joining the PA advisory board offers me the chance to influence industry direction, expand my network, and stay ahead of trends, all while giving back to the sector that has defined my own career. It provides a platform for contributing my own hard-earned expertise to shape the future of payments while simultaneously enriching my own personal and professional growth. Finally my continued focus on being the ‘voice of the customer’ will hopefully help the PA companies to constantly review their product, process and experience to keep end customers at the forefront of their minds.

Nick Charteris

CEO
Optimus
As the CEO of Optimus, a company deeply embedded in the cards and payments ecosystem, I am eager to bring my experience and insight to the Payments Association Advisory Board. Our mission at Optimus has always been to foster innovation and deliver solutions that enhance the customer experience while maintaining security and reliability—core values that align with the Association’s goals.
Joining the Advisory Board offers a unique opportunity to contribute to shaping the future of the payments industry. With the rapid evolution of financial technologies, I am passionate about addressing challenges such as interoperability, security, and regulatory compliance. I believe the Payments Association is uniquely positioned to lead this transformation, and I would be honored to lend my expertise and collaborate with industry leaders to create meaningful progress.
Optimus has consistently demonstrated leadership in the sector, leveraging cutting-edge technology to drive efficient payment solutions. My position allows me to offer practical insights into emerging trends, consumer behavior, and the operational needs of financial institutions. By being a part of the Advisory Board, I aim to influence policy, enhance industry collaboration, and ensure that innovation continues to flourish within a framework of responsibility and inclusivity.
In addition to my role at Optimus, I have a deep interest in promoting dialogue and partnerships across the payments landscape. Being part of the Advisory Board would enable me to contribute to initiatives that ensure the industry adapts to both market demands and technological advancements.
I look forward to the possibility of contributing to the Payments Association’s mission and helping drive the future of the payments industry.
The Payments Association should focus on several key challenges in the year ahead, driven by rapid technological advancements and evolving regulatory landscapes:
1. Regulatory Compliance and Data Security
With increasing data breaches and privacy concerns, complying with evolving regulations like PSD2 (Payment Services Directive 2) and GDPR remains critical. The Payments Association needs to push for industry-wide best practices, emphasising data security, fraud prevention, and transparency while balancing innovation with stringent regulatory requirements.
2. Interoperability of Payment Systems
The payment ecosystem is fragmented, with numerous platforms, gateways, and methods. The Association should focus on driving standardisation and interoperability, ensuring seamless transactions across borders, currencies, and platforms. This is especially important with the rise of cross-border e-commerce and global payment networks.
3. Adoption of Digital Currencies and Blockchain
Central Bank Digital Currencies (CBDCs) and cryptocurrencies are becoming mainstream, but challenges around regulatory frameworks, interoperability, and scalability persist. The Payments Association should work to integrate these technologies while addressing risks like volatility, security, and regulatory uncertainty.
4. Innovation in Real-Time Payments
The demand for instant payment systems is growing, but legacy infrastructure remains a bottleneck. Driving the adoption of faster payment networks while ensuring security and accessibility will be a key focus for the Payments Association to modernise the infrastructure and encourage innovation.
5. Financial Inclusion and Digital Equity
A significant portion of the global population remains underserved by financial services. The Payments Association should focus on initiatives that improve access to digital payments, especially for marginalized and underserved populations, while promoting affordable and user-friendly solutions.
6. Environmental Sustainability
As environmental concerns grow, the payments industry needs to address its carbon footprint, especially with the rise in energy-intensive technologies like blockchain. Promoting green payments solutions and sustainable practices within the industry will be essential.
These challenges require coordinated efforts between regulatory bodies, financial institutions, and technology providers, making the Payments Association a critical player in leading discussions and solutions.
As CEO of Optimus, I bring over two decades of leadership in financial services, fintech, and operational excellence, with a deep focus on innovation in the payments ecosystem. Optimus has pioneered white-label prepaid card programs, and our partnerships with Mastercard and our status as an FCA-authorized Electronic Money Institution have positioned us at the forefront of fintech solutions.
My career spans high-impact roles across Crypto.com, Railsbank, and more, where I have developed expertise in scaling operations, launching digital payment products, and navigating complex regulatory environments. As Global Head of Operations at Railsbank, I led the deployment of API-driven banking services, simplifying access to global payments infrastructure, while at Crypto.com, I helped accelerate the transition to cryptocurrency through strategic leadership.
What I offer the Payments Advisory Board is a unique blend of strategic vision, operational expertise, and a strong commitment to fostering innovation while ensuring regulatory compliance. I am passionate about driving the future of payments through seamless interoperability, real-time payments, and secure digital currency adoption, all while maintaining a focus on financial inclusion and sustainability.
I look forward to contributing my insights to help shape industry standards and collaborate with fellow leaders to drive meaningful transformation in the payments landscape.

Rebecca Hickman

Partner
Addleshaw Goddard
Payment services are the operational core of the economy and the growth of mobile and digital payments continues to drive demand for innovative payment solutions in the retail and wholesale sectors. Payments is a key focus for all major banks given the development of digital economies and the needs of their customers for increased speed and interoperability across multiple jurisdictions. In addition, non-bank firms and FinTech companies are increasingly driving into this space. All of this has driven an increasingly complex and dynamic regulatory environment as regulators and governments seek to ensure that both businesses and consumers can transact with confidence.
My core motivation for joining the TPA Advisory Board is my desire to use my legal and market experience to help contribute to this exciting and innovative industry and help to influence the future direction of payments. It is important for not only the payments sector in the UK, but also for economic growth of the country that we have a clear cohesive policy for enabling payment services to take place securely and efficiently as possible.
In particular, I see benefit in being able to:
• Share Expertise: To share knowledge and expertise in financial regulations, compliance, and legal frameworks with other members of the board, contributing to the development of more robust and effective payment systems.
• Influence Policy: To have a platform to influence policy and regulatory developments in the payments industry, ensuring that new regulations support innovation, consumer protection, and the growth of the sector.
• Contribute to Innovation: To play a part in shaping the future of payments by contributing to discussions on innovation, technology adoption, and the implementation of new payment solutions.
• Educational Opportunities: To help facilitate and participate in educational programs or initiatives that focus on improving financial literacy and inclusion within society.
1. Regulatory Change: Navigating the complex and ever-evolving regulatory landscape has always been a challenge. In recent years we have seen regulatory implementation in this space strengthened rapidly.
This increased regulatory change is necessary to keep pace with innovation to support this innovation, protect customers and build trust in the sector. However, regulatory intervention is in danger of becoming too intrusive and risk stifling innovation.
Therefore, not only is keeping up with regulatory change a key challenge, but another important and challenging role for the TPA will be to provide necessary checks and balances on regulatory and legal developments, while helping to encourage industry and regulators to work together to support growth.
2. Fraud Prevention and Security: Enhancing security measures to combat increasing levels of sophisticated fraud, including identity theft, phishing scams, and cyber-attacks, is going to be critical to helping ensure user trust in payment systems and digital payments. Balancing this against user expectations for seamless, instant, and frictionless payment experiences across various platforms and devices will be a challenge. If something is ‘safe’, its unlikely to be cheap or expensive. Getting the right balance for different groups of customers will be essential.
3. Financial Inclusion: Working to reduce barriers to entry for underbanked or unbanked populations, ensuring that payment systems are accessible and affordable for all segments of society.
4. Innovation and Technology Adoption: Keeping pace with rapid technological advancements, such as blockchain, cryptocurrency, and open banking, and integrating these into existing payment infrastructures in a secure and user-friendly manner.
5. Cross-border Payments: Improving the efficiency, cost, and speed of cross-border transactions, addressing challenges related to currency conversion, regulatory differences, and interoperability between different payment systems.
6. Sustainability: Incorporating sustainability into payment practices, including the reduction of carbon footprint for digital transactions and promoting environmentally friendly payment solutions.
7. Data Privacy and Protection: Ensuring the privacy and protection of consumer data in compliance with regulations like GDPR, and managing the balance between personalized services and privacy concerns.
Addressing these challenges requires a multifaceted approach, including advocacy, education and collaboration to ensure the payments industry remains resilient, secure, and inclusive.
As a well-respected financial regulatory lawyer, with a strong reputation in open banking. I am also regularly sought out for my payments knowledge and legal insights by industry participants. For example:
• I recently won an appointment from UK Finance to support it in investigating industry appetite for the standardisation of arrangements relating to a new payment type (commercial variable recurring payments (CVRP)) and the means by which standardisation might be achieved. Subsequently, I led a team to develop model clauses that can be used in bilateral agreements, to start to bring CVRPs to market.
• I was asked by CFIT to join the HMT Open Finance working group to create a blueprint for developing open fiancé in the SME lending space.
• I am regularly asked by trade associations to support on reviewing and lobbying regulators on regulatory change. Most recently, the framework account exists and APP Scam Mandatory Reimbursement rules.
As a member of the Advisory Board, I will bring a wealth of legal expertise, regulatory insight, and innovative thinking to the TPA. My extensive experience and deep understanding of the payments industry will enable us to contribute effectively to the TPA’s mission of empowering the most influential community in payments, fostering connections, collaboration, and learning to shape an industry that works for all. My commitment to driving collaboration within the payments sector aligns with the TPA’s goals, and we are excited about the opportunity to contribute to meaningful change and innovation in the industry.

Rebecca Marriott

CRO and MLRO
Tide

I think it’s a good opportunity to work with industry peers to hopefully drive change and influence. I’ve seen the work TPA have done on APPF and it’s impressive. I feel strongly there’s some significant challenges ahead related to APPF especially, and crucially the impact on competition and FinTechs, which I’d like to help shape.

APP fraud implementation and the secondary impact on competition with larger FIs able to absorb more of the cost and FinTechs going out of business due to liquidity issues, impact to small businesses by slowing down the payment flows, driving up fraud due to first party fraud and reduced moral hazard – and whether the PSR will make any changes if the data shows the trend isn’t reducing fraud.
How the FCA views the implementation of PSRs vs the impact to customers. We expect to see complaints increase due to blocked accounts and slowed payments. How do firms balance the fraud risk with conduct risk, and how do we manage FCA expectations.

8 years of FinTech experience, working for a leading FinTech at exec level, good understanding of the FinTech sector and strong network in particularly risk and financial crime. Understanding of the regulators.

Robert White

General Manager/CEO
PagoNxt, part of Santander
Payments is a passion, and an industry I have been involved in for many years. With over 20 years of experience in payments and banking, I have gained comprehensive insights and expertise that I am eager to share this to help in advancing the goals of The Payment Association.
The Payments Association is in a unique space to be able to influence the Payments agenda over the coming years. The scale of change the Industry faces remains high and I believe I will be able to bring an experienced strategic view to discussions.
In my previous role as Head of Payments Services at Santander UK, I led several key strategic programmes, including shaping Open Banking from the start as one of the CMA9. This gave me extensive engagement with regulators and government, helping me understand the wider views and expectations from the Industry. In my current role as General Manager of Santander Group’s new UK EMI, PagoNxt Payments, I am driving forward this new business focused on Payments & innovation, supporting FIs, NBFIs and Large Corporates with their payments needs.
These two roles give me a broad insight and range of understanding – from a big bank to a start-up business perspective – into what the Payments Association can help drive and shape into the next phase of the Payments agenda. The Advisory Board role gives a unique ability to drive change that supports the wider ecosystem and ensure that the ecosystem meets the needs of many.
The payments industry continues to remain in a state of flux with a number of initiatives pending to ramp up. As government determines the best way to approach the UK payments evolution, there are a number of key programmes that will help define the future, and the Payments Association can play a key voice in helping to shape this model for its Members and the Users of the services. Having experience of previous Boards such as UK Finance Payments Board and Open Banking Steering, I believe I can bring invaluable experience and passion to the debates that will be had in an area I’m well versed in.
The UK domestic payments landscape was world-leading but has lost pace as technology and vision has allowed other nations to develop and deliver modern solutions at pace. Although many countries drove from a heavy cash-based model, their evolution shows areas that the UK can benefit from. As with Faster Payments previously being a thought leader, we have a window to re-establish a position as a global leader in payment solutions.
A good example of innovation comes from Open Banking which, despite its current stalling commercialisation position, has shown that focus on standards and enablement brings great deliveries with immense opportunity. Standards is an area that needs to be nurtured and encouraged,
The National Payments Vision, which has a critical role to play in setting a clear level of strategic outlines for the Industry to drive forward, will hopefully deliver some leadership insights in the weeks ahead. As the RTGS programme works towards the next critical delivery milestone, this will bring greater enablement to accessing Bank of England services from more players. This shows the Bank of England can lead and deliver critical change with a clear and consistent leadership style.
One area the Payments Association will need to focus on is ensuring that the Regulators remain focused on what is important to deliver the right change, at the right pace, at the right cost. As a key influencer the Payments Association has the ability to influence on specific topics to ensure entities like EMIs or PSPs are considered in the design agenda. The Payments Association should also bring a challenging voice to how change is governed and enabled, to avoid past mistakes.
The Payment industry continues to evolve at pace. As we have seen over the last 5 years the number of entrants to the market is bringing a fascinating dynamic to the ecosystem that is helping it evolve, driven by customer wants and demands. Leveraging the voice the Payments Association has developed over the recent years, it is set it up well to be able to focus on some key topics – both broad and niche – to support its Members in growing and developing. Innovation is a critical area to bring the wow-factor to users, and it is important that the Industry supports this. But it is equally critical that the payment services remain safe and secure – trust is the key enabler for a confident ecosystem – so as innovation and new players come to the fore, that control needs to remain at the top of the agenda.
I have been an integral part of the Payments Industry for a number of years, holding senior positions in Santander UK, supporting a number of Industry boards, such as UK Finance Payments Product Board and Open Banking’s Steering Board. I have been at the forefront of many changes that have evolved the UK landscape, so bring a level of experience and understanding that can help bring a balanced view to the discussion. I have seen what’s worked well, and what has not, as the industry has evolved over the years, and that experience of good & bad sets me well to help the Advisory Board consider challenges we are likely to experience over the coming years.
If selected for the Advisory Board, I will bring a strategic vision that aligns with the objectives of The Payment Association while ensuring we remain responsive to the evolving landscape of the payments industry. My vision includes the following:
1. Promoting Innovation: I would advocate for initiatives that embrace and promote innovation within the payments ecosystem. By creating platforms for dialogue between industry leaders, technology innovators, and regulators, The Payment Association can play a pivotal role in shaping a forward-thinking environment that encourages experimentation and growth, while ensuring safety and security as payments need.
2. Strengthening Regulatory Alignment: I propose that we enhance our focus on regulatory engagement, providing members with insights and best practices on navigating the shifting regulatory landscape. Establishing direct lines of communication with regulatory authorities will empower our members to voice their concerns and contribute to the development of balanced regulations that promote industry growth while safeguarding consumer interests. This can be done in collaboration with organisations such as UK Finance to ensure there is consistency in the key messages from the wider population.
3. Enhancing Industry Standards: By collaborating with other industry stakeholders, I believe The Payment Association can promote efforts to establish consistent standards that enhance interoperability and security across payment systems – this will be critical if adventures such as Open Finance and Smart Data are to flourish beyond their starting position today. This would benefit not only our members but also consumers, who would benefit from a seamless payment experience regardless of the platforms they use.
4. Fostering a Culture of Diversity and Inclusion: A diverse and inclusive industry drives creativity and innovation. I am committed to advocating for policies and initiatives that promote diversity within the payments sector, ensuring that all voices are heard and recognized in the decision-making processes.
5. Sustainability Initiatives: In today’s climate-conscious world, the payments industry must also consider its impact on sustainability. I envision The Payment Association taking a proactive stance on sustainability by encouraging best practices that minimize environmental footprints among its members and promoting payment solutions that support sustainable practices.

Rowan Brewer

Chairman
Paymentology
Throughout my career, from growing Tutuka to expanding Paymentology into 60 countries, I’ve received help from many people across the payments industry. I’ve seen firsthand how help and shared knowledge can fuel a company’s success.
Now, I’m at a stage where I would like to give back. I would love the opportunity to help grow the Payments Association and to especially support the Scale Up members by giving them the help and mentorship I received.
1. The payments landscape is at a crossroads. On the one hand, the regulatory environment is becoming tougher. On the other hand, funding for early-stage companies is becoming harder to find. The challenge lies in how we, as an industry, can keep the market open for new entrants while maintaining regulatory compliance.
2. We need to address the negative regulatory narrative around FinTech and BaaS. FinTech isn’t inherently problematic—it’s just complex. Our mission should be to promote a balanced understanding of these complexities across the payment ecosystem: from schemes to banks, from regulators to new and existing payment companies.
3. I believe the Payments Association should continue to grow its international presence. Payments are global, and we need to ensure the Association is relevant not just in the UK, but to its members who operate across the EU and other continents.
With 25 years’ experience in payments across the world, I’ve worked with a wide range of players from regulators to schemes, banks to fellow FinTechs. That experience can hopefully be of help to the Association’s members, its policy initiatives and its projects to grow new payment companies.
And a real determination to give back to the industry, particularly for future and present Scale Up members.

Samuel Barrett

CEO
Paytently
I’m eager to join The Payments Association Advisory Board because I see it as a fantastic opportunity to strategically shape the future of the payments industry. Having 15+ years experience in fintech, I know that meaningful progress happens when industry leaders collaborate and share insights. The Board provides a unique platform to engage in vital conversations and help drive innovation and sustainability across the sector and ecosystem, and of course this would also be a brilliant personal achievement and an opportunity for me to grow as a CEO.
My journey at Trustly, where we revolutionised account-to-account payments, has underscored the importance of evolving the entire payments ecosystem. Now as CEO at Paytently, I am committed to innovating in the payment orchestration space, as well as being thought leaders in high-risk payments—an area that many fintechs overlook. I look forward to sharing my expertise on this, especially around the use of AI and ML in payment orchestration and how this brings greater control and reduces risk in high-risk sectors.
A key area that excites me about the Advisory Board, is the opportunity to collaborate with other leaders who share my passion for advancing the payments industry. Engaging with senior members who bring diverse perspectives and expertise will be incredibly enriching. I believe that these interactions will not only broaden my own understanding but also spark new ideas that can benefit all of us. The chance to share experiences and learn from the successes and challenges faced by others in the industry is something I deeply value. This collective wisdom can drive our initiatives forward and create a robust network of support and inspiration.
Finally, I see this as a chance to give back to the community that has shaped my career. I want to share my experiences not just for Paytently’s benefit but for the broader fintech ecosystem. Being part of the Advisory Board will enable me to contribute to the industry at a strategic level, guiding it toward a future where payments are seamless, inclusive, and secure for everyone.
The Payments Association should focus on three key challenges to support its members and help navigate the evolving payments landscape:
1. Navigating regulatory complexity: The payments industry is becoming increasingly complex, with regulations around AML, KYC, and data privacy constantly evolving. While The Payments Association can play a pivotal role in supporting its members, by facilitating open discussions between members and regulators, the association can help ensure businesses are well-informed and better equipped to meet compliance requirements without stifling innovation. The focus should be on providing members with resources, guidance, and networking opportunities to stay ahead of regulatory changes.
2. Enhancing merchant security and AI Adoption: As payment methods evolve, merchants face growing challenges with security, particularly in fraud prevention. AI and machine learning (ML) offer powerful solutions, but adopting these technologies can be complex. The Payments Association can support merchants by fostering collaboration between industry leaders, sharing insights on emerging trends such as AI-driven fraud detection, tokenization, and open banking. By creating platforms for knowledge sharing and best practices, the association can help merchants navigate these innovations and enhance their security while improving the customer experience.
3. Supporting high-risk payments and niche markets: High-risk sectors within the payments industry often face stigma and barriers to accessing secure and compliant solutions. While The Payments Association can’t directly change perceptions, it can lead efforts to raise awareness and reduce misconceptions. Through events, discussions, and thought leadership, the association can shine a light on the unique needs of high-risk markets and advocate for their inclusion in industry discussions. This helps ensure these sectors have access to the right tools and knowledge to operate safely and innovatively.
I believe my experience and passion for fintech and payments, makes me well-suited to contribute to the The Payments Association’s Advisory Board. Having spent many years in the industry, I’ve had the opportunity to lead the development of innovative solutions, including my work with Trustly, where I focused heavily on account-to-account payments and open banking and was heavily involved in the development of the Trustly KYC verification product. This has given me a deep understanding of the payments ecosystem, and I’m now channelling that experience into building a leading AI/ML payments orchestration proposition, all through proprietary technology within Paytently.
Paytently is currently in the process of working with the MFSA to obtain our PI (Payment Institution) Licence. With our application underway, I am in a unique position to share firsthand insights and up-to-date learnings from the licensing process. This experience allows me to contribute practical, real-time knowledge to Advisory Board discussions, helping to shape relevant topics and guide conversations. Additionally, I can leverage these insights to contribute valuable content for white papers, reports, and press releases, ensuring the Association remains informed on regulatory developments and best practices.
One of the key strengths I’ll bring to the Advisory Board is my deep expertise in the high-risk payments sector. This area, often overlooked in broader fintech discussions, presents unique challenges in compliance, security, and managing complex payment networks. At Paytently, we’ve embraced these challenges by leveraging AI-driven payment orchestration to enhance risk mitigation and control. I’m eager to bring this specialised knowledge to the Board, offering fresh perspectives on how to innovate in these difficult but vital areas.
In addition to sector expertise, I believe in the power of collaboration and shared learning. Joining The Payments Association has reinforced my commitment to working alongside industry peers to foster meaningful progress. As a member of the Advisory Board, I will actively contribute to shaping industry discussions, sharing insights not just from Paytently’s innovations, but from the collective experiences and challenges we face as a payments community.
Finally, Paytently is dedicated to leading AI-driven innovation in payment orchestration. As the business evolves, so will my expertise, allowing me to bring new ideas and learnings to the Advisory Board. I see this as an exciting opportunity to contribute to the Association’s initiatives while working closely with fellow members to drive a more inclusive, secure, and forward-thinking payments industry.

Tribh Grewal

Head of Fintech Partnerships
Discover Global Network
My career of over 25 years in payments industry working across EMEA region in leadership roles have helped me gain experience and deep understanding of the industry, which I believe enable me to add significant value to the payment association in the UK.
With my broad experience across product, innovation, sales, and leadership, I can bring a holistic view of the payments value chain and contribute strategically, ensuring that we remain relevant and responsive to industry trends.
Joining The PA Advisory Board allows me to give back to the industry by fostering innovation and ensuring that the payment ecosystem evolves in a way that benefits businesses and consumers alike. Joining the Advisory Board and working alongside the distinguished group of thought leaders and experts in the industry would allow me to contribute to influence and shape the future of payments, help navigate the challenges ahead and leverage my skills and network to drive meaningful change in a dynamic and competitive landscape.
There are a range of strategic challenges, especially in a rapidly evolving financial and payments landscape driven by technological innovation, regulatory changes, and shifting consumer behaviour. The PA has been very active and been the voice of the payments and fintech sectors and playing an important role in shaping the industry narrative and meaningful action through providing thought leadership and advocacy with industry, regulators and political engagement.
Key issues facing the industry, at a high level are:
– regulatory compliance and changes,
– NPA and NPV
– fraud prevention/cybersecurity,
– Technological innovation
– financial inclusion, and
– ESG (Environmental, Social, and Governance) considerations.
Focusing on these strategic challenges, the PA can help ensure the continued growth, security, and efficiency of the UK’s payment ecosystem while supporting innovation and regulatory compliance.
I have been privileged to have worked in various senior leadership capacities covering strategy, Innovation, product development and marketing, and business development – at card schemes as head of emerging products and innovation, Business consultant at solution providers, and MD, Global Head of Product and Sales for a European payments company. I am passionate about solving business problems and have been involved in technology and payments innovation from the early days of e- and m-commerce, chip and contactless development. I am a co-inventor on 4 patents for mobile and e-commerce authentication held by a Visa.
I have served on the board and board observer roles for payments companies in Europe and the Middle East, which has honed my strategic oversight and governance capabilities. Currently, I am a member of the Industry Advisory Council at Pay.UK, where I actively contribute insights and guidance that help shape industry trends and drive innovation. I am currently the head of Fintech Partnerships at Discover Global Network, a business unit that I set-up three years ago and have grown and established it as a key part of the business.
I believe that with my experience I understand the complexities of managing a fast-paced, evolving sector while delivering financial results. My deep involvement in payments and fintech has allowed me to engage with key stakeholders at industry events and payments association conferences, where I regularly contribute to discussions on emerging trends and regulatory developments. I believe my industry experience, strategic vision, and passion for innovation would be an asset to the PA advisory board, helping to navigate future challenges and opportunities.

Will Marwick

Chief Executive Officer
IFX Payments
My motivation to join the Payments Association Board is driven by my passion for promoting transparency, fostering innovation, and advocating for practical, consumer-focused regulations that support fintechs of all sizes. The Payments Association serves a vital role in shaping the industry’s future. I want to contribute by sharing the insights and expertise I have gained through leading IFX Payments over the past four years.
Throughout my career, I have consistently championed initiatives that challenge the status quo and promote best practices within the sector for the benefit of all. As a Payments Association board member, I aim to build on these efforts, offering a balanced perspective that takes into account both the challenges faced by smaller enterprises and the opportunities that lie in adopting new technologies. I am also eager to collaborate with fellow board members to find solutions to industry-wide issues such as compliance burdens, operational inefficiencies, and the growing need for more streamlined cross-border payments.
Ultimately, I see this as an opportunity to not only lend my voice to critical discussions but also to actively shape the Payments Association’s future direction in a way that benefits the entire ecosystem—regulators, service providers, and end users alike.
The top priority should be navigating the complexities of regulatory changes, particularly in light of new requirements from the Payment Systems Regulator (PSR) and the evolving nature of compliance frameworks. Many firms, especially smaller fintechs, need help to keep pace with these changes, and the Payments Association can play a pivotal role in advocating for more balanced, industry-wide standards. Having spoken at numerous events, most recently at the 3rd Financial Innovation Forum highlighting the practical challenges of the PSR’s new APP reimbursement requirements and identifying what firms can do to navigate these changes (including the potential fallout), my commitment to upholding community values within the payments industry would bring a strong ethical perspective to the Payments Association Advisory Board.
Another major challenge is the continued friction in cross-border payments, which remains a pain point for businesses and consumers. Despite technological advancements, too many organisations face high costs, lengthy delays, and the need for more transparency and security when moving money internationally. The Payments Association should promote more efficient, financially sustainable solutions within the sector and collaborate with industry stakeholders to create a framework that encourages interoperability and the adoption of new technologies.
Lastly, I see the need to rebuild trust in the industry as a core challenge. This involves championing a culture of intensity and high performance, ensuring that payment providers meet regulatory requirements and operate with a strong ethical foundation. With wider market concerns surrounding the increases in fraudulent activity, breaches in security and the safeguarding of customer funds, and customer protection becoming ever more complex, the Payments Association must support the industry in delivering high standards of governance and customer care that are reasonable and proportionate.
I will bring a combination of strategic vision, operational experience, and a strong commitment to ethical business practices to the Advisory Board. As CEO of IFX Payments, I have led the organisation through significant growth and transformation, driving initiatives that increased revenue, improved the client experience, and positioned the company as a trusted partner for international businesses. My expertise in navigating complex regulatory environments and building scalable business models gives me a unique perspective on the opportunities and challenges faced by our industry.
Additionally, I am a strong advocate for more practical, customer-centric solutions that genuinely address market needs. As the self-appointed Consumer Duty Champion at IFX, I understand the importance of putting the customer first and building solutions that align with regulatory expectations while enhancing user experience. My experience in launching innovative products such as the virtual IBAN and developing our ‘Dual Pay’ service is evidence of my ability to think creatively and implement ideas that have a positive, tangible impact on clients.
Moreover, I am committed to promoting a culture of transparency and trust within the payments sector. Having commissioned research into issues like mass bank account closures and risk-based assessment inconsistencies, I am familiar with the systemic problems that businesses face. I am passionate about using data-driven insights to inform policy and industry best practices. On the Advisory Board, I would bring this proactive, research-led approach to help the Payments Association stay ahead of emerging trends and advocate for policies that support sustainable growth and innovation across the entire ecosystem.

Yaprak de Beaufort

Head of Strategy and Commercial Operations, UKI
Visa
I am passionate about payments and enthusiastic about the importance of making payments work for all. Since 2019, I have been actively involved in multiple working groups and industry events. I was a judge at the Pay360 awards, an active member of the Open Banking working group for the past three years, and led Visa sponsorship of Financial Crime 360 and Pay360 for the past four years, during which our partnership with The Payments Association has significantly grown. I also review and contribute towards policy documents and regulatory consultations on various topics.
As a body, The Payments Association has a strong voice (e.g., as demonstrated by its success in shaping policy for the benefit of customers and industry). I see this as an opportunity for me to contribute even more effectively and help shape the industry and it’s future. Enhancing the relationship between The Payments Association and Visa is also a key objective for me.
I am eager to collaborate and foster relationships, support information and knowledge sharing in the payments world. The Payments Association is uniquely positioned to navigate the increasingly complex ecosystem, and I am excited about the prospect of being a part of this journey.
While payments might not always be at the forefront of our minds, they are crucial to everyday life and the economy. Over the past 25 years, payments have evolved significantly, with even more profound changes expected in the next five years. The UK has led this revolution, establishing itself as a global leader in payments, and we should be proud of our collective contributions to this achievement.
The payments industry is undergoing a significant transformation. We are observing unprecedented digital innovation and a gravitation towards mobile solutions, scaling open banking (especially cVRP), addressing customer identification issues, the rise of identity-targeted fraud through generative AI, transformative impacts of AI on payments, advancements in personalization, and evolving consumer behavior.
Foundational Principles
As we chart the next chapter, it is important to be clear about our goals and build upon the foundational principles that have brought us this far.
Collaboration and Knowledge Sharing
Creating a collaborative platform, a safe space for the industry to come together, where different perspectives can be shared.
Regulation that enables investment, innovation and economic growth
Influencing regulators towards stable and proportionate regulation, with an outcome-based approach that best serves the needs of consumers and businesses. This is more pressing than ever, given the significant policy interventions over the coming 12 months that will shape the industry for years to come – e.g., NPV, implementation and review of APP scam rules, JROC, etc.
Ensuring confidence in payments is critical to a well-functioning economy. Ensuring new initiatives are developed in a way that safeguards and sustains trust throughout the ecosystem and allows for open access and open standards. The challenge is ensuring rapid progress to keep the UK competitive while maintaining safety for consumers and the ecosystem.
I see The Payments Association playing an important role in delivering on the areas outlined above. Most people who know me would know that I am passionate about our industry.
It is a very exciting time to be involved in this space. In my role as Head of Strategy and Commercial Operations at Visa, I am involved in thinking and shaping the evolving dynamics of the industry and how we shape it going forward.
I’d like to bring these unique insights and:
• Bring unique experience
• Contribute ideas and views relating to the strategy and priorities of the group during and outside the meetings, like policy development activities – drawing on Visa’s deep expertise where relevant
• Contribute/lead one of our stakeholder working groups (‘Projects’) – Open Banking
• Champion the Payment Association’s positive impact and thought leadership within Visa and with other organisations.

The Payments Association

St Clement’s House

27 Clements Lane

London EC4N 7AE

+44 20 3540 9760
 

© Copyright 2024 The Payments Association. All Rights Reserved. The Payments Association is the trading name of Emerging Payments Ventures Limited.

Emerging Ventures Limited t/a The Payments Association; Registered in England and Wales, Company Number 06672728; VAT no. 938829859; Registered office address St. Clement’s House, 27 Clements Lane, London, England, EC4N 7AE.

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