Pat Bermingham, CEO, Adflex

We review the top trends that will transform how businesses make and take payments in the modern world. Robin Amlôt of IBS Intelligence speaks to Pat Bermingham, CEO of UK-based B2B digital payment processor Adflex. The company is Europe’s leading processor of commercial card payments, processing over 7 million transactions a year for more than 4,000 businesses. Among the topics discussed: the consumerisation of B2B payments, digital identity, ISO 20022, straight-through processing and the role of agentic AI.