The AP+ POV Podcast

Earlier this year, PayTo was revealed as the name for the NPP's Mandated Payments Service – the new, digital way for merchants and businesses to initiate real-time payments from their customers’ bank accounts. 

Hear Richard Curtis from FutureBrand discuss the process his organisation followed with NPP Australia to identify the PayTo moniker from a sea of possibilities. It’s a great listen for anyone who develops, names and markets products in the payments and financial services sectors.

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The data richness of NPP payments, including the ability to include longer descriptions with a payment, is a central benefit of the New Payments Platform. However, like other technology carriers, this benefit is open to misuse. 

Hear Karen Bentley, CEO of Wesnet (the National peak body for specialist women's domestic and family violence services) and Catherine Fitzpatrick, the Director of Customer Vulnerability & Financial Resilience at Westpac, discuss the serious issue of technology facilitated abuse and how the financial services industry and NPP ecosystem are responding. 

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Anita LeMaire from FIS Global draws from the Flavors of Fast 2020 and the Performance Against Customer Expectations (PACE) reports to take us on a trip around the world to look at the latest developments in data-rich real-time payments. 

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Since launching on the NPP in late 2018, Services Australia has used the 'always on' real-time platform to make emergency payments during events such as bushfires, floods and the COVID19 pandemic. In this episode of NPP Soundbites Jarrod Moore, Services Australia’s Director of Payments, Strategy and Transformation describes the tangible impact NPP payments can have during an emergency situation, and how the government department plans to use the platform's capabilities in the future.  

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When digital bank 'Up' launched in 2018, its unique proposition was quickly taken up by a young customer base - some who had never heard of three day bank transfers or BSB and account numbers. In this episode of NPP Soundbites, hear Up's cofounder, Dominica Pym, and Head of Product, Anson Parker, discuss the role the NPP plays in its unique proposition, both now and in the future. 

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Luke Fossett from GoCardless discusses the potential of 'PayTo', NPP's mandated payments service.  In particular, we look at lessons from the UK market when it comes to third party payment initiation and Open Banking. 

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Listen to Rachel Slade, Group Executive Personal Banking at NAB, discuss whether the NPP we see today meets the expectations set by the Real Time Payments Committee back in 2013, and the lessons we should apply to the future delivery of the NPP's Mandated Payments Service. 

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Shortly before the launch of Australia’s NPP, in late 2017 The Clearing House rolled out America’s first real-time payments infrastructure - the RTP network. In this episode, take a virtual trip to the United States to hear Senior Vice President of Product Strategy and Development at The Clearing House, Steve Ledford, describe what fast payments look like in the United States, including the use cases driving the RTP’s growth. 

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When the COVID19 pandemic was declared, government departments charged with responding to the emergency used the NPP to access funding in near real-time, thanks to a significant program of work that was completely literally weeks before. In this episode of NPP Soundbites, Deputy Head of the Reserve Bank of Australia’s Banking Department, Stephanie Connors, describes this work and why we are just seeing the beginning of the modernisation of the government’s banking capabilities using the NPP. 

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 John Murphy is the recently appointed CEO of Azupay, one of the first organisations to offer C2B payments via the NPP. John was also a founding member of the Real Time Payments Committee in 2013, which designed the strategy and design concept for the NPP. In this episode John explains the innovation being developed by Azupay to enable real-time C2B payments and disbursements. He also discusses why he thinks collective industry energy will increase innovation on the NPP. 

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