Our latest insights

Project Inclusion

Project Inclusion has provided an insightful opportunity to work on issues that have the impact to change lives. It has been both a pleasure and an eye-opener for me, and involved me in authentic initiatives across the fintech sector, thanks to The Payments Association’s enviable reputation as a thought leader.

Josh Berle, Project Lead

Mission Statement:

To drive industry activity that informs and collaborates with government and third sector bodies to provide clarity on PayTech innovations and solutions that aim to reduce financial exclusion and the poverty premium.

Strategy and Approach 2022

Inclusion through Diversity

Continuing promoting the issues of lifestyle/value based financial exclusion and the new wave of banks emerging which are helping to solve underbanking/unbanking in the UK


Explore how cryptocurrency can lift individuals from across the globe who suffer from financial exclusion due to restrictive domestic markets (and other reasons) and develop financial independence by engaging with de-centralised financial products

Develop Policy Agenda/Profile

Develop clear policy positions on key financial inclusion industry issues and drive further stakeholder engagement and collaboration with third sector organisations and charities e.g. Pennies,  Good Things Foundation, The Inclusion Foundation CIC

Industry Engagement

Engage with the government and third-sector parties, and continue to champion projects, initiatives, reports that aim to combat financial exclusion

Featured Content

Project Inclusion launched their webinar ‘Linking profit and purpose – embedding sustainability in the payments ecosystem‘ following the ‘Sustainability Superheroes‘ whitepaper. 

You can watch the webinar in full here.


Project Inclusion Team


Josh Berle – Business Development Director, Mastercard


Neil Harris – CEO, b-yond

Deputy Mentor

Daniel Holden – CEO, Trust Payments

Team Members

Simon Thomas – Prepaid Product Manager, allpay

Jos Henson Gric – Founder, Flex Money

Ramsey El Dabbagh – Corporate Development, algbra

Emily Boyd – Director, Financial Inclusion, Mastercard

Cormac McCarthy – Partnership Development Manager, Pennies

Kit Yarker – Product Marketing Director, PPS

Nadia Benaissa – Marketing Director, BPC

Alex Lambeth – Public Affairs Director, Crown Agents Bank

Nigel Atta-Mensah, Board Member, Crown Agents Bank

Shadia Hanna – Principal, Payment Industry Relations,  Discover Financial Services

Kevin Flood – Senior Manager, Financial Services, EY

David Monty – Director, tell.money

Thomas O’Kelly – Associate Partner, Infosys

Alice Riglin – Account Manager, DECTA

Joanne Dewar – Vice Chair, GPS

Research Initiatives

Making cross border payments work for all

Financial exclusion is a huge issue when it comes to cross border payments since a large portion of these payments travel from the developed to the developing world, which typically lacks the appropriate financial infrastructure and services. Therefore, the Project Inclusion team sought to speak to several organisations who are encouraging global financial inclusion in developing and emerging markets by providing critical solutions that tackle cost, speed, access and compliance when it comes to cross border payments.


Inclusive Crypto and CBDCs

In the light of the U.K. government’s plans for the U.K. to become global cryptoasset technology hub, Project Inclusion, with the support of Mastercard, has launched its research initiative: Inclusive Crypto and CBDC’s– emerging themes and propositions.

Project Inclusion members spoke to select industry experts to get their perspectives on the possibilities of the new era of digital currencies addressing the financially excluded and underserved communities. Specifically, what are the financial inclusion use cases for these emerging currencies and assets and what will be their impact in the next 5 years?


Blog posts

Lifestyle and Values Banking

The Payments Association’s Project Inclusion team in partnership with Mastercard, has launched its newest research initiative into ‘Lifestyle and Values Banking’. The project conducted several interviews with banks from across the UK and around the globe who are catering to consumers by going beyond monetary factors and providing alternative offerings and services and supporting the pillars of equality.


Blog posts

Affordable Credit

Sponsored by Mastercard and in association with The Inclusion Foundation, our new Payments Association Project Inclusion interview series will delve deeper into the aspects of affordable credit and assess the evolution of the landscape, by looking at recent developments and challenges in the affordable credit market, identifying areas of fintech innovation and next steps to further progress.


Recent Media