UK merchants expect agentic commerce to grow rapidly, but uncertainty around liability, fraud, and standards is slowing readiness.

This episode of The Payments Association's Insights Podcast examines how artificial intelligence has reshaped fraud, and what that means for the way firms verify who they are dealing with. As AI makes it cheap to forge documents, clone voices and fake video, the data a customer presents can no longer be trusted on its own. The conversation explores a shift towards lower-level signals drawn from the mobile network, the operator-held identity checks and SIM-swap data that are far harder for a fraudster to manipulate. It sets out what payments and fraud leaders can do to rebuild trust at the network layer.

Fraud refunds may protect consumers, but businesses often absorb the loss. Stronger collaboration and shared intelligence can help stop fraud before it happens.

Pay.UK has introduced a flexible Faster Payments liquidity model, lowering barriers to direct access and helping PSPs manage liquidity more efficiently.

TPA’s Q3 UK Payments Regulation Roadmap explains the key UK and international regulatory developments affecting payment firms over the coming years.

As cyber threats evolve, AI-powered anomaly detection is becoming essential for helping payment firms identify threats early and strengthen resilience.

Edenred Payment Solutions has launched Web Push Provisioning, enabling users to add virtual cards to digital wallets via SMS or email without downloading an app.

The Global Payments Report 2026 tracks how consumers pay across 42 markets, drawing on a survey of more than 63,000 respondents and transaction data from central banks and card networks. Now in its 11th edition, the report is one of the industry’s most widely cited sources on the state of global payments - relevant to merchants, payment providers, product developers and policy makers alike. This episode explores the report’s headline findings across six themes: the methodology behind the data; the rise of payment apps at the point of sale and what it means for payments infrastructure; wallet fragmentation across global markets; the expansion of domestic payment systems and what that means for established card scheme infrastructure; the competitive dynamics reshaping buy now, pay later; and stablecoins as an emerging layer of B2B and cross-border payments infrastructure.

New FRC guidance is reshaping CASS 15 safeguarding audits, with payment and e-money firms urged to strengthen controls, documentation and audit readiness before May 2026.

New research uncovers the payment habits, preferences and priorities shaping the future of payments in the UK.

The FCA will open crypto authorisation applications in September 2026, giving firms a year to prepare for the UK’s new regulatory regime in October 2027.

The FCA has finalised key rules for the UK’s new cryptoasset regime, covering stablecoins, custody, prudential standards and market abuse.