Together, we can make a Difference


The Cross-Border Payments Working Group has the specific purpose to help identify and increase awareness of the technology in the market that is transforming the cross-border payments ecosystem for its users and providers, as well as informing the evolving regulatory landscape.

Sponsored by

Strategy and Approach

The Cross-Border Working Group implements its objectives using the three pillars below.

Our mission

Hear from Working Group Leaders, Mentors and Sponsors about the Cross-Border Working Group’s mission and why it is so important.

Team members

The Cross-Border Working Group is made up of dedicated individuals who volunteer their time and expertise to deliver the group’s objectives.

Alex Lambeth

Crown Agents Bank
Head of Public Affairs

Bert de Munter

Product Manager

Christian Agius

Co-Founder and CEO

Gary Palmer


Judith Rinearson

K & L Gates

Kamal Naidu

PXP Financial
Global Head - Strategy and Insights

Kamran Hedjri

PXP Financial

Luke Cutajar

Director Customer Success

Martin Low

Senior Manager - Financial Services Consulting

Matt Williamson

SVP & Industry Principal

Matthew Graham

Vice PresidentBusiness Development - Transfer Solutions - Europe

Noyan Nihat

Privat3 Money
Inclusion Working Group Project Mentor; COO

Phil Mochan

Nomos Digital
Founder & CEO

Richard Bissett

SRM Europe
Managing Director

Robert Turner-Kerr

Risk Manager

Companies involved

The Cross-Border Working Group is supported by a broad range of The Payments Association’s member companies.


Access a selection of recent and ongoing projects and outputs produced by the Cross-Border Working Group.

The cross-border working group published a whitepaper providing 10 key takeaways to improve the future of cross-border payments, citing a series of interviews with experts and a survey of 100+ industry professionals. 

Whitepaper: King for a day: Charting the future of cross-border payments

Opinion: Have we run out of ideas to help customers manage the cost of living? by Jos Henson Gric

The crossborder working group published a short report highlighting the key challenges, barriers and complexities our members face when delivering and receiving cross-border payments. 

Whitepaper: What cross border payment challenges do members of The Payments Association face today?

Opinion: Have we run out of ideas to help customers manage the cost of living? by Jos Henson Gric

Through a series of interviews, a podcast and a report, the Inclusion Working Group set out to find out what it means to be a sustainable fintech and where to start. The report, ‘Sustainability Superheroes: A how-to guide to ESG for fintechs’, provided insights from several fintech leaders.

The Inclusion Working Group researched into how fintech innovation is increasing access to affordable credit and tackling financial exclusion.

How we harness payments innovation to help long underserved individuals to build their financial capabilities, resiliency and long-term financial security, has never been more important. The working group launched an initiative exploring the potential for payments and broader fintech innovation to help mitigate the impact of rising cost of living including an industry-leading report delivered to MPs at a Parliamentary Breakfast.

Whitepaper: Navigating the rising cost of living

Opinion: Have we run out of ideas to help customers manage the cost of living? by Jos Henson Gric
Policy: How payments innovation can help individuals - constituency specific
Policy: How payments innovation can help individuals - our recommendations
Get in touch

Interested in joining our Cross-Border Working Group?


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