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.

Sponsored by

Strategy and Approach

The Inclusion Working Group implements its objectives using the three pillars below. 

Our mission

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

“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, Inclusion Working Group Lead

Team members

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

David Bailey

Head of Payment Strategy

Emma Hynes

Senior PR Consultant

Jos Henson-Grič


Kit Yarker

EML Payments
Director, Product and Propositions

Neil Harris


Noyan Nihat

Privat3 Money
Inclusion Working Group Project Mentor; COO

Pooja Bhachu

Inclusion Working Group Project 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

Companies involved

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


A selection of recent and ongoing projects and content outputs produced by the Inclusion Working Group.

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

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.

Through a series of interviews with fintech experts, the Inclusion Working Group learnt about different use cases in how crypto helps aid Financial Inclusion. The interviews culminated in a series of blogs released as a social media campaign exploring the themes brought up in the interviews.

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

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.

Featured Content

Get in touch

Interested in joining our Inclusion Working Group?


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