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.

Supported by

Why should I join a working group?

The Payments Association’s working groups are comprised of industry experts from across the payments chain, who share the mission of driving industry change to shape the future payments landscape and improve the industry on behalf of members of the association

Being a member of one of The Payments Association’s working groups comes with a host of benefits:
  • You will get exclusive access to meetings with industry experts.
  • The opportunity to build your network with the leading figures from across the payments industry.
  • Invites to exclusive events from The Payments Association, like the Working Group AGM at the annual PAY360 conference.
  • The opportunity to actively help deliver the Working Group outputs.

In addition, committee members will receive:
  • An invitation to an annual in-person meeting and lunch.
  • The opportunity to feature your headshot and company logo on selected outputs and our website.
  • The opportunity to contribute and network in our monthly meetings.

All working group members are representatives of organisations with The Payments Association membership.

Strategy and approach

Team members

Alex Lambeth

Crown Agents Bank
Head of Public Affairs

Bert de Munter

Product Manager

Christian Agius

Co-Founder and CEO

Gary Palmer


Graham Ridley

IFX Payments
Strategy Director

Judith Rinearson

K & L Gates
Kamal Headshot

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
Natalie Lewis

Natalie Lewis

Travers Smith
Head of Fintech, Market Infrastructure and Payments

Noyan Nihat

Privat3 Money
Inclusion Working Group Mentor; COO
Richard headshot

Richard Bissett

SRM Europe
Managing Director

Robert Turner-Kerr

Risk Manager

William Lorenz

Fintech Payments Consultant

Members involved


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. 

Cross-border payments are perceived as inherently high risk due to reliance on manual process and lack of transparency among the players. This has created knock on effects (slow, expensive and limited services) for senders and recipients of cross-border payments; a complicated and burdensome regulatory environment that fails significantly in meeting its goals to stop international money laundering and other nefarious acts; and, ultimately, a lack of competition and innovation — continuing the cycle.   

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. 

The Cross-border working group co-hosted a Global Payments Forum meeting with IIF and EPA Asia, which examined the role of CBDCs in disrupting cross-border payments.

The cross-border working group provided a unique and insightful toolkit into 6 key markets in Asia for companies looking to expand into the region.

In this episode of the Insights podcast, Tony Craddock, Director General of the Payments Association, welcomes Gary Palmer, CEO and Chairman of Payall, for a focused discussion on the evolution and challenges of cross-border payments. With decades of experience, Palmer offers a critical analysis of why this sector, crucial to the global economy, has seen limited technological advancement and outlines the transformative changes on the horizon.

February 2024
Get in touch

Interested in joining our Cross-Border Working Group?

Please fill out the form to indicate your interest in receiving more information about The Payments Association’s Cross-border Working Group. A member of our Project Team will be in touch with you shortly.


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