Insights Podcast

What does fraud do to a person after the money is gone? In this Insights Podcast, Jack Robertson speaks with Dalbir Sahota, global director of trusted payments at LSEG Risk Intelligence, about the human cost behind LSEG's new global fraud research. The conversation moves past loss values to the anger, anxiety and shame that reshape how victims live online. Dal explores why digital-native youn...

In this episode of the Insights Podcast, Tony Craddock speaks with Kamran Hedjri and Oliver Steely about why regulated gaming operators are still treated as “high risk” by the payments industry. They explore how outdated payment models, lower authorisation rates, and legacy merchant category codes are increasing costs and hurting customer experience, despite regulated operators often showing lower...

Host Jack Robertson, Data Journalist at The Payments Association, speaks with Gary Palmer, Founder and CEO of payall, and Ruth Wandhöfer, Founder and CEO of Leximar Advisory, about whether “trustless” money is really possible. They explore whether blockchain removes or simply redistributes trust, and discuss the legal, operational, and cyber risks that emerge as stablecoins and DeFi move into main...

 As payments firms and fintechs scale, managing client funds efficiently has become increasingly complex. Money market funds are emerging as a practical solution that balances regulatory compliance with operational efficiency.   In this episode, we explore how these funds work, why they're gaining traction among electronic money institutions and payment service providers, and what the future...

The Payments Association sits down with ACI Worldwide’s Jeremy McDougall and Somya Patnaik to explore how the UK and global payments landscape is being reshaped by real-time technology, regulatory reform, digital currencies, and a rapidly converging ecosystem of new payment forms. With real-time payments accelerating worldwide, open banking adoption hitting record highs, and the UK embarking on a...

In this episode of the Insights Podcast, Jack Robertson speaks with Gabriel Lakeman and Christian McDermott of Latham & Watkins about the emerging regulatory framework for stablecoins in the UK. They discuss how stablecoins differ from other cryptoassets, the Bank of England's consultation on sterling-denominated systemic stablecoins, and what key regulatory developments firms should be w...

Cross-border payments are no longer as slow or opaque as their reputation suggests. But progress has been uneven. In this episode of Insights Podcast, Heather Lee, global head of payment strategy at Swift, Damian Richardson, head of payments, product and schemes at NatWest, and Michelle Cowan, cash market manager for the UK and Europe at Standard Chartered Bank, explore the evolving cross-border p...

With an estimated one in five people in the UK living with a disability, providing digital services that are accessible to all is an increasingly important consideration for businesses. And with the 'purple pound' now estimated to be worth £274 billion, firms that prioritise accessibility also stand to gain a huge competitive advantage. Join our speakers Kerry Berchem from Burges Salmon,...

Buy now, pay later has grown into a £13 billion presence in UK consumer finance — and regulation is now catching up. Jack Robertson, Data Journalist at The Payments Association and payments expert Russell Hickman, Director at TSYS discuss BNPL’s evolution from a checkout convenience to a core credit product, the implications of the FCA’s new regulatory framework, and why banks are increasingly wel...

Payment firms are scaling fast, but many still rely on manual reconciliations and legacy systems that cannot keep up with rising regulatory expectations. In this episode, host Jack Robertson, Data Journalist at The Payments Association, speaks with AutoRek’s Nick Botha, VP Payments & Retail Banking to unpack the FCA’s strengthened safeguarding rules, the operational risks of spreadsheets and f...

 In this episode of The Insights Podcast, host Jack Robertson of The Payments Association speaks with Hugo Remy, CEO of Cardaq, about how financial institutions can stay ahead of fraud and regulatory challenges. They explore why early engagement with regulators is crucial for preventing compliance issues, and how the growing threat of “friendly fraud”, where customers dispute legitimate transactio...

In this episode of The Insights Podcast , host Jack Robertson sits down with Marco Chardi, Senior Director of Market and Competitor Research at Worldpay, to explore the findings from Worldpay's Global Payments Report 2025 . Together, they unpack what the data tells us about the rapid rise of digital payments, the growing influence of mobile as the default commerce platform, and how account-to...

On this episode of The Insights Podcast , host Jack Robertson speaks with Grace Wyatt, Partner at Addleshaw Goddard, about the UK’s new FCA stablecoin framework. They explore what it means for issuers, custodians, merchants, and payment providers and how it could reshape digital payments and tokenised money.  Find out more about The Payments Association via our website www.thepaymentsassociation.o...

On this episode of The Insights Podcast , host Jack Robertson speaks with Dal Sahota, Global Head of Trusted Payments at LSEG Risk Intelligence, about the growing threat of APP fraud. They explore how criminals are exploiting AI and deepfakes, the human and business impact of these scams, and the multi-layered regulatory and operational responses needed to protect customers and organisations.  Fin...

In this episode of The Payments Association’s Insight Podcast , host Mark O’Keefe is joined by Melanie Lazarus, Ecosystem Engagement Director at Open Banking, and Vasco Vaz Rodriguez, Head of Growth at Trudenty. Together, they unpack the findings of the Payments Association’s Open Banking Merchant Survey and explore the realities of adoption across merchants and consumers. From the “meh” sentiment...

In this episode of the Insights Podcast , host Jack Robertson speaks with Robert Turner-Kerr, Senior Relationship Manager at iFAST Global Bank, about the evolving regulatory challenges facing cross-border payment providers. They unpack the UK’s new cash safeguarding rules, looming EU restrictions on virtual IBANs, and how iFAST is helping firms adapt through compliance-driven innovation. A must-li...

In this episode of the Insights Podcast , Tony Craddock, Director General of the Payments Association, sits down with David Geale, Executive Director for Payments and Digital Finance at the FCA and Managing Director of the PSR. They explore the transformative consolidation of the FCA and PSR, the UK’s National Payments Vision, and the evolving regulatory stance on stablecoins and open banking. Wit...

In this episode of the Insights Podcast , Riccardo Tordera-Ricchi, Director of Policy and Government Relations at The Payments Association, is joined by Dan Wilson and Mark Nalder from Nationwide to explore one of the most critical issues in modern financial services: resilience. They discuss how payments are evolving, why reliability is now non-negotiable, and what it takes to build resilience in...

In this episode of the Insights podcast from The Payments Association, Director General Tony Craddock sits down with Gary Palmer , CEO of Payall, to explore the sweeping changes underway in cross-border payments and correspondent banking. Gary shares hard-hitting insights from his 25+ years in the industry, highlighting why the current trust-based, manual processes are no longer fit for purpose an...

Join Gurminder Bhagrath, COO of Plane Saver Credit Union, Karen Elliott, Professor in Finance & FinTech at The University of Birmingham, and Shaun May, Director, Strategy, Sustainability and Innovation, Coutts, and Inclusion Working Group member, as they delve into the challenges and opportunities in community finance. This special episode of the Insights Podcast with the Inclusion Working Gro...

Join Tony Craddock, Director General of the Payment Association, as he explores the future of payments with Paul Horlock, Chief Payment Officer at Santander. This engaging podcast explores the National Payments Vision, tokenization, open banking, and the evolving payments infrastructure in the UK. From addressing customer needs to fostering collaboration between banks and fintechs, Paul shares ove...

In this episode of the Insights Podcast, Tony Craddock, Director General of the Payments Association, talks with Peter Harmston, Head of Payments Consulting at KPMG UK. Together, they explore the evolving world of payment modernisation, discussing key findings from KPMG's latest global survey of 1,500 financial institutions and retailers. Learn about the challenges, opportunities, and technol...

 In this episode of The Insights Podcast , George Iddenden speaks with Lorraine Mouat and Anthony Corner from Thistle Initiatives about the growing importance of operational resilience. They discuss how payment firms can navigate challenges like cyber threats, regulatory pressures, and system disruptions to safeguard customer trust and maintain business continuity. Learn how to go beyond complianc...

 In this episode of The Insights Podcast, we explore the fast-evolving world of cross-border payments and the crucial role of fintech in global trade. Host George Iddenden sits down with Convera's Head of Market Insights, Steven Dooley, to explore innovations like real-time payments, blockchain, and open banking. Together, they discuss why these developments are essential for businesses of al...

In this episode of the Insights Podcast , we explore the upcoming Payment Services Directive 3 (PSD3) and the new Payment Services Regulations (PSR). These major changes are set to reshape Europe’s payment landscape, impacting everything from security measures to compliance requirements. Join us as we break down what businesses need to know about these regulations, discuss how they might affect co...