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 2021:


  • Conclude 1-1 interview campaign with industry figures
  • Publish report on how to educate vulnerable demographics (unbanked young entrants and digitally excluded elderly) in UK society towards financial inclusion


Affordable Credit

  • Building on SignpostNow initiative, create an independent industry view of affordable credit providers with a view to accredit and compare lending providers in the UK

Inclusion through Diversity

  • Promoting the issues surrounding faith-based exclusion and parts of society unable to interact with traditional financial products

Industry Engagement

  • Engage with the government and third-sector parties, and continue to champion projects, initiatives, reports that aim to combat financial exclusion
  • Development of stakeholder engagement approach to drive  collaboration with third sector organisations and charities

Project Inclusion Team


Josh Berle – Business Development Director, Mastercard


Neil Harris – Group Chief Commercial Officer, Global Processing Services and Chair, The Inclusion Foundation

Team Members

Simon Thomas – Prepaid Product Manager, allpay

Jos Henson Gric – Founder, Flex Money

Ravindra Meshram – Co-Founder and CEO, Talendeur

Tim Annis – Sales Director UK and Europe, Bluechain

Ramsey El Dabbagh – Corporate Development, algbra

Nizam Uddin OBE – Chief Strategy Officer, algbra

Emily Boyd – Director, Financial Inclusion, Mastercard

Alan Horsfield – Senior Manager, KPMG

Cormac McCarthy – Partnership Development Manager, Pennies


Research Initiative

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 will be conducting 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.


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