Insights Podcast

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 well placed to lead the next phase of its development. They explore customer expectations, digital user journeys, merchant partnerships and the innovations that may define BNPL in the years ahead. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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 fragmented processes, and the steps firms must take to align with CASS-level standards. The discussion shows how investing in automation and robust controls not only protects customer funds but also creates a competitive edge in an increasingly crowded market. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

 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 transactions, is impacting businesses. Hugo shares his vision for a UK-wide friendly fraud register that could help banks and merchants share intelligence, reduce losses, and strengthen trust across the financial ecosystem. This conversation sheds light on the balance between customer protection and business resilience in today’s complex payments landscape. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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-account systems like Pix and UPI are reshaping real-time money movement. Marco Chardi also discusses why cards remain more resilient than expected, and what the ongoing role of cash tells us about global payment preferences. With insights from 40 key markets, this episode offers a clear view of where payments are heading and what it means for the businesses shaping them.Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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.org or follow us on social media. LinkedIn Twitter

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. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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 early adoption, to the lessons learned from contactless and chip & PIN, the conversation dives into what will truly drive mainstream uptake—whether merchant incentives, consumer trust, or bold branding. The panel also discusses open banking’s broader promise in fraud prevention, KYC, and smart data, as well as the collaboration and innovation needed to unlock its full potential.If you want to understand where open banking is today, what’s holding it back, and what could spark its tipping point, this is a must-listen.Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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-listen for fintech leaders and compliance professionals navigating today's complex financial ecosystem. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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. With 2025 set to redefine the UK payments ecosystem, this insightful discussion uncovers how regulators aim to foster innovation, strengthen consumer protections, and ensure the UK remains a global payments leader. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter

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 into systems by design. Find out more about The Payments Association via our website www.thepaymentsassociation.org or follow us on social media. LinkedIn Twitter