Together, we can make a Difference


The Inclusion Working Group has the specific purpose to inform and collaborate with government, regulators and third sector bodies, providing clarity on innovations and solutions in payments that can reduce financial exclusion and the poverty premium. It seeks to achieve this by collaborating with industry bodies, developing thought-leadership campaigns, and informing regulatory and legislative decisions.

Supported by
Mastercard logo

Upcoming whitepaper: Redefining community finance: unlocking pathways to financial inclusion

The FCA estimates that 12.9 million UK adults have low financial resilience – that’s one in every four. With millions struggling to make ends meet, community finance options are an increasingly important consideration, but are often neglected in conversations around financial inclusion.

Our latest whitepaper – Redefining community finance: unlocking pathways to financial inclusion – explores how community finance should be redefined to make it more inclusive, accessible, and fit for purpose to tackle today’s financial exclusion challenges.

The whitepaper will feature commentary from experts and changemakers from across the payments sector, including academics, credit unions, banks, industry bodies, and consumer champions.

The whitepaper will be published in June. 

What is 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 a working group is a fantastic opportunity to grow your network and gain valuable industry insights. All working group members are representatives of organisations with The Payments Association membership.

Each working group consists of a Core Committee and Supporter Members.

  • Committee members are engaged and active participants who commit to making regular contributions to outputs and monthly meetings. They are expected to commit 1-2 hours per month towards the working group.
  • Supporter members attend one meeting a quarter and receive the meeting notes from the other meetings.

Why should I join a working group?

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.

Strategy and approach

Our mission

“Improving inclusion and creating better financial services for long underserved individuals and communities, remains vital. I’m proud to be part of an industry that has been innovating to improve people’s lives for many years, and it’s a privilege to continue this important work through the efforts of the Inclusion Working Group and The Payments Association.”

Pooja Bhachu, Director of Public Policy at Mastercard, Inclusion Working Group Lead

Team members

Andrew Martin


David Bailey

Head of Payment Strategy
James Turner

James Turner

Travers Smith
Knowledge Counsel | Financial Services and Markets

Jos Henson-Grič


Kit Yarker

EML Payments
Chief Operating Officer

Neil Harris


Noyan Nihat

Privat3 Money
Inclusion Working Group Mentor; COO

Pooja Bhachu

Inclusion Working Group Lead; Director Public Policy UK and Ireland

Shaun May

Strategy and Innovation Manager

Simon Thomas

Senior Project Manager

Tribh Grewal

Discover Financial Services
Head of Alt Pay

Members involved

Redefining Community Finance

The Payments Association, in collaboration with our working group benefactor Mastercard, are leading a research initiative into the accessibility of community finance and how it can better serve the financially underserved and excluded in the UK. 

These interviews were recorded at the roundtables that were hosted at 2024’s PAY360 conference and capture some of the attendees thoughts on the topic. 

The roundtables focused on on how community finance-based solutions are already supporting financial inclusion for underserved and unbanked individuals, and importantly, what more needs to be done by industry and policymakers to further unlock the inclusion benefits of community finance.


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.

Financial inclusion has long been synonymized with the 1.7 billion unbanked across the world. This initiative highlighted the needs of significant communities beyond the unbanked, who  seek financial products that accommodate their values and beliefs.

The Inclusion Working Group has explored numerous ways in which financial inclusion can be aided by innovative technology. They have produced a whitepaper that investigates how fintech innovation is increasing access to affordable credit and tackling financial exclusion. Additionally, they have created a series of blogs from a series of interviews with fintech experts, to explore how crypto helps aid Financial Inclusion. 

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 explored how sustainability can be feasible in fintech companies. Josh Berle (Mastercard), Frederick Rugginz (JP Morgan), Kit Yarker (PPS) and Charles Radclyffe (EthicsGrade), discussed this issue for our Insights Podcast.

Get in touch

Interested in joining our Inclusion Working Group?

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


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