In this episode, David Birch discusses the security and trust challenges of agentic transactions as they move from concepts to pilots, exploring digital identity infrastructure, standardisation, and fraud mitigation in the evolving payments landscape.

Key  Topics

• Digital identity infrastructure and its importance
• Security challenges with agentic transactions
• Standardisation needs for agentic frameworks
• Fraud risks and mitigation strategies
• The role of digital signatures and certificates
• Layered approach to transaction trust and discovery
• Potential of hardware security modules (HSMs)
• Liability and legal considerations in agent-based payments

Host: Louis Thompsett
Guest: David Birch
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

In this episode, we explore the latest developments in UK stablecoin regulation, comparing it with US and European models. We discuss the implications for industry growth, regulatory collaboration, and future prospects for digital currencies.

Key Topics

• UK stablecoin regulation and its industry impact
• Comparison of US, EU, and UK stablecoin reserve requirements
• Regulatory collaboration between FCA and Bank of England
• Implications of high reserve caps and market viability
• Future outlook for stablecoin innovation and interoperability

Host: Louis Thompsett
Guest: Kieran O'Connor
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

Open banking has a problem and the FCA finally has the statutory powers to fix it. 

We sit down with Andrew Self, Head of Open Banking & Finance at the Financial Conduct Authority, to find out what the new regulatory framework actually means for the UK's open finance future.

From variable recurring payments to the 2028–2030 Open Finance roadmap, Andrew breaks down the real obstacles, commercial models, consumer trust, data access and how the FCA plans to solve them.

🎙️ IN THIS EPISODE:
Intro: Why open banking is at a crossroads
The FCA's new statutory powers explained
Why the commercial model has failed so far
Variable recurring payments (VRP) — the game changer?
Reliability & error messaging: the industry's weak spot
Open Finance vision: mortgages, SMEs, and pensions
The PRISM framework: how the FCA prioritises use cases
What needs to happen before 2028

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#OpenBanking #OpenFinance #FCA #Fintech #UKPayments

In this episode, Oliver Hanmer, Managing Director of UK Financial Crime Compliance Advisory at Capgemini, shares insights from the global anti-scam summit, discusses the evolving landscape of financial fraud, the role of AI, and the importance of cross-sector collaboration in combating fraud.

Key Points

• Global Anti-Scam Summit insights
• Role of AI in fraud detection and prevention
• Cross-sector collaboration between finance, telecom, and social media
• Regulatory incentives and misalignments
• Impact of instant payments on fraud
• UK's national fraud strategy and online crime centre

Host: Louis Thompsett
Guest: Oliver Hanmer
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

This episode features insights from the launch of the UK Payments Initiative (UKPI) at Money20/20 Europe, focusing on how Commercial Variable Recurring Payments (cVRPs) are transforming the open banking landscape. Experts discuss the phased rollout of these payment methods, regulatory and pricing frameworks, and the ecosystem collaboration required for widespread consumer adoption.

Key Topics

• The evolution of UKPI and the shift to commercial-driven open banking
• Commercial Variable Recurring Payments (cVRPs) vs. traditional direct debits and cards
• The phased rollout of cVRPs (Wave 1 restricted use cases to Wave 2 broader applications)
• Consumer benefits, including payment parameters, visibility, and control within banking apps
• Regulatory considerations, independent pricing principles, and mitigation of litigation risks
• Technical plumbing, industry collaboration, and transaction volume as key success metrics

Host: Louis Thompsett
Guest: Richard Mould
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

This episode features insights from the Money2020 Europe event, focusing on stablecoins, agentic AI, regulation, tokenisation, and fraud prevention in the payments industry. Experts discuss industry milestones, regulatory frameworks, and the future of payment innovations.

Key Topics

• Stablecoins and their regulatory landscape
• Agentic AI and its impact on payments
• Tokenisation projects like Project Agora
• Industry consolidation and M&A activity
• Fraud and identity security advancements

Host: Louis Thompsett
Guest: Justin Jacobs
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

In this episode Host, Louis Thompsett is joined by Justin Jacobs, Chief Policy and Engagement Officer at Pay.UK,  to discuss the future of digital money, interoperability of payment rails, trust, and security in a multi-money world. This episode explores opportunities, risks, and the evolving landscape of payments in the UK.

Key Topics

• Multi-money world and payment interoperability
• Opportunities in programmability and new use cases
• Resilience and diversity of payment options
• Trust, consumer protection, and fraud prevention
• Regulatory adaptation and industry collaboration

Host: Louis Thompsett
Guest: Justin Jacobs
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

In today’s episode, Host Louis Thompsett is joined by Shaanil Senarath-Dassanayake, Associate at Charles Russell Speechlys, as the duo discuss the seismic shifts in the UK’s regulatory landscape and what the transition from "unregulated" to "fully authorised" actually means for the next generation of fintech innovators.

Key Discussion Points

• The Crypto Authorization Gateway: Why the move from AML registration to full FCA authorization is more than just a paperwork exercise—it’s a total shift in operational expectations.
• Senior Management Accountability: How the extension of SM&CR to crypto firms is forcing founders to rethink personal liability and governance in a maturing market.
• The BNPL "Regulation Day": Navigating the July 15, 2026, deadline for Deferred Payment Credit and the compliance hurdles for firms facing FCA consumer credit rules for the first time.
• Structural Shakeups: What the consolidation of the PSR into the FCA means for payments firms and whether a "single supervisor" model will truly simplify the complex UK ecosystem.
• The AI Liability Gap: Insights from the FCA’s Mills Review on where the legal "buck stops" when agentic and generative AI systems cause consumer harm.

Host: Louis Thompsett
Guest: Shaanil Senarath-Dassanayake
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

This episode explores how mobile network intelligence is transforming fraud prevention in the financial industry. Samantha Kight from GSMA discusses emerging threats, innovative API solutions, and the importance of cross-industry collaboration.

Key Topics

• Emerging mobile fraud threats and trends
• GSMA's role in securing the mobile ecosystem
• Innovative API solutions for fraud detection
• Cross-industry collaboration against scams
• Impact of open source and AI on security

Host: Louis Thompsett
Guest: Samantha Kight
Producer: Anaya McDonald
Editor: Anaya McDonald

Learn more about the latest payments insights: https://paymentexpert.com

In today's episode, Host Louis Thompsett is joined by Nick Kerigan, Managing Director and Head of Innovation at Swift, as the duo discuss the evolving landscape of global value transfer, focusing on how Swift is integrating blockchain technology and shared ledgers into its infrastructure to solve real-world payment friction.

Tune in to today's episode to find out:

• How Swift’s new blockchain-based shared ledger enables real-time, 24/7 cross-border payments and synchronized obligations between participating banks.
• The critical role of interoperability in connecting fragmented digital asset "islands" with existing financial infrastructure.
• Why the industry is shifting toward wholesale use cases for orchestration and how this helps banks manage liquidity and risk more effectively.
• Swift's "multi-money, multi-chain" vision that embraces CBDCs, stablecoins, and tokenized deposits as complementary tools.
• The strategy behind tackling the "last mile" of retail payments to ensure upfront cost certainty and full value delivery for consumers.

Host: Louis Thompsett
Guests: Nick Kerigan 
Producer: Anaya McDonald
Editor: Anaya McDonald