In this episode of Executive Conversations by The Paypers, our host Dwayne Gefferie sits down with Diarmuid Thoma, Head of Fraud & Data, AtData an Experian company, to explore one of the more surprising ideas in payments and identity today: that the ordinary email address has quietly become one of the most reliable ways to tell whether someone online is real. 

AtData has spent more than two decades building a business around that signal. Diarmuid explains why a long-standing email address reveals so much about a person, how it helps online lenders separate genuine customers from fraudulent applications, and what it is about a real email history that even sophisticated fraudsters find hard to fake. 

The conversation then turns to what AI changes and Diarmuid makes the case for what a fraudster still cannot easily replicate, and how long that advantage is likely to last. 

About Executive Conversations by The Paypers 

Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today. 

Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next. 

In this episode of Executive Conversations by The Paypers, host Dwayne Gefferie sits down with Cactus Raazi, CEO Americas at B2C2, to talk about the firm that moves billions of dollars a day behind some of the biggest names in finance, almost entirely out of view. 

The conversation centres on one idea: that stablecoins are becoming a world of many coins, currencies, and networks, and that this only works if someone can move value between them instantly, at a price that does not eat the savings.  

Cactus explains why the fragmentation of the stablecoin market creates a problem that payments companies and banks can no longer ignore, and what has to happen in seconds when a payment needs to settle in a coin, currency, or network the sender does not hold. 

About Executive Conversations by The Paypers 

Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today. 

Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next. 

In this episode of Executive Conversations by The Paypers, host Dwayne Gefferie sits down with Manpreet Haer, Co-Founder and CEO of PayFuture, to talk about what it actually takes to move money in and out of markets like Nigeria, Pakistan, and Argentina, where currency swings, capital controls, and access to dollars make cross-border payments genuinely hard. 

The conversation doesn't shy away from the harder questions: how an independent, focused player competes against global giants spending billions on the same problem, how much real payment volume is actually moving versus trading activity, and whether a product built around easier access to digital dollars is on a collision course with local regulators. 

About Executive Conversations by The Paypers 

Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today. 

Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next. 

In this episode of Executive Conversations by The Paypers, host Dwayne Gefferie sits with Raagulan Pathy, founder of KAST, about what it takes to turn stablecoins into something people actually spend, not just trade. 

Stablecoins moved over 30 trillion dollars last year, rivaling Visa on raw volume, yet everyday payments made up only a small fraction of that. Raagulan unpacks what's standing in the way of stablecoins becoming genuinely everyday money, what KAST does differently from others in the market, and where the value behind its yield and cashback offers comes from. 

About Executive Conversations by The Paypers 

Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today. 

Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next. 

In this episode of Executive Conversations by The Paypers, our host Dwayne Gefferie sits down with Mikkel Grønlykke, President of Banking Circle. 

The conversation centres on one idea: that Banking Circle is becoming genuine infrastructure for global payments, one bank and one currency connection at a time, and that owning the licenses and clearing access directly is what makes that hard to replicate. Mikkel walks through how growth actually happens when Banking Circle goes live in a new market, what sets direct clearing apart from firms pitching a single API for global money movement, and which of the world's biggest payment corridors still sit outside the bank's own rails. 

A candid, strategic look at what it actually takes to build payments infrastructure that lasts. 

About Executive Conversations by The Paypers 

Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today. 

Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next. 

Welcome to the first episode of Executive Conversations by The Paypers, a new podcast series that brings together C-suite leaders and senior executives to discuss the biggest developments shaping financial services and payments. 

In this debut episode, we explore one of the industry's fastest-growing challenges: Authorised Push Payment (APP) fraud. 

Dwayne Gefferie is joined by Andre Ferraz, Co-founder and CEO of Incognia, and Joe Wilson, Board Member at bunq. Together, they discuss how APP fraud is evolving, why traditional fraud controls are struggling to keep pace, and what financial institutions can do to better protect customers. 

About Executive Conversations by The Paypers 

Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today. 

Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next. 

Before the first full episode, a quick introduction. Mélisande Mual, Managing Director and Publisher of The Paypers, sits down with Dwayne Gefferie to explain why Executive Conversations by The Paypers exists and who it's for. 

This new series brings senior executives together for live, on-the-record discussions on the trends, tensions, and opportunities shaping payments, fintech, and crypto. 

The first full conversation is coming soon. 

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