In this episode of The People Making Payments Podcast, Shona sits down with Nikhita Hyett (General Manager EMEA at Signifyd) to explore how fraud has evolved, why fraud and abuse need to be treated as fundamentally different problems, and what fraud prevention needs to look like as the industry moves into an agentic future.

They start by unpacking how fraud has evolved 👇

➡️ How fraud has evolved from simple stolen card details to account takeover and synthetic identities built up over time to look genuine

From there, the conversation turns to where fraud prevention is heading next 🔮

➡️ Why speed and scale will only keep increasing as fraudsters get faster and more sophisticated

Plus, we find out what Nikhita would be doing if she wasn't fighting fraud, and the achievement she's proudest of that you won't find on LinkedIn 📰

If you work in payments, this episode is essential listening on how fraud has evolved and where the next big risks (and opportunities) lie.

In this episode of The People Making Payments Podcast, Shona sits down with Arnaud Le Saouter (Client Director at KAE) - a payments industry veteran with over 30 years of experience - about how merchant needs have evolved, and what that means for how payment providers should be thinking about pricing their services today.

With three decades of perspective to draw on, Arnaud and Shona start with how the merchant landscape has changed 👇

➡️ How the merchant payments landscape has transformed from simple POS and payment gateways to a complex, omni-channel world with hundreds of competing providers

From there, the conversation moves into how to price those services💰

➡️ Why payments is moving away from being a cost centre and why savvier merchants are increasingly willing to pay more if the value case is clear

Plus, we discover what Arnaud would love to be doing if he wasn't working in payments 📰

If you work in payments, this episode is a masterclass in how the industry has evolved and where the real commercial opportunities lie right now.

In this episode of The People Making Payments Podcast, Shona speaks with Keiti Kirt (Marketing Specialist at LHV Bank) about two topics at the heart of modern banking: how to engage and retain customers in a multi-banked world, and what it really takes to differentiate when you enter a brand new market.

They start by unpacking multi-banking 👇

➡️ Why "financial polyamory" is the new normal and what it means for banks trying to build loyalty

From there, the conversation moves into market expansion 🌍

➡️ What it's really like to take an established brand from Estonia into the UK and why reputation doesn't travel

Plus, Keiti takes on the quickfire round ⚡

If you work in banking, payments, or fintech marketing, this episode is full of sharp, honest thinking on how to cut through the noise, own a clear position, and build a brand that actually means something to the right people.

In this episode of The People Making Payments Podcast, Shona speaks with Willem Wellinghoff (UK Chair and Chief Compliance Officer at Ecommpay) about two topics very close to his heart: how compliance can drive true innovation, and why financial inclusion should be high on the agendas of payment companies across the world. 

They start by rethinking the role of compliance 👇

➡️ Why compliance shouldn’t be seen as a blocker, but as an enabler of growth

From there, we move into financial inclusion 🌍

➡️ What financial inclusion really means in practice and why it goes beyond just offering more payment methods

Plus, Willem takes on the quickfire round ⚡

If you work in payments, fintech, or financial services, this episode offers a fresh perspective on how two often-overlooked areas can actually drive innovation, growth, and better customer and commercial outcomes.

In this episode of The People Making Payments Podcast, Shona sits down with Ruwani Hewa, Director of Payments at Starling, to explore two themes reshaping how payments are being built and delivered today: embedded finance and AI.

They start with embedded finance 👇

➡️ What it actually means and why it’s been around longer than most people think

From there, they move into AI in payments 🤖

➡️ Where AI has already been delivering value behind the scenes

Plus, we learn what Ruwani would be doing if she wasn't in payments 🕵️‍♀️

If you work in payments, fintech, or financial services,  this episode offers a clear, practical perspective on where these trends are genuinely delivering impact, and where the industry still has work to do.

In this episode of The People Making Payments Podcast, Shona sits down with Andrea Cillara Rossi, VP Consumer Products and Processing at Mastercard, to unpack two of the biggest forces shaping the future of payments: digital currencies and the evolving ecosystem dynamics.

We start by exploring the reality behind digital currencies 👇

➡️ What we actually mean by digital currencies

➡️ Where real-world use cases are emerging today

➡️ The biggest barriers to adoption — and what needs to change

➡️ How to cut through the hype and focus on what really matters

From there, we zoom out to look at the payments ecosystem 🌍

➡️ How collaboration and competition are reshaping the industry

➡️ Whether fintechs have truly disrupted traditional players

➡️ What the ecosystem could look like in five years

➡️ Practical advice for navigating and succeeding in this space

Plus, we get to know Andrea a little better in our quickfire round ⚡

If you work in payments, fintech, or financial services — this episode is packed with insight to help you make better decisions in a rapidly changing landscape.

Welcome to The People Making Payments Podcast - a brand-new show designed to help people working in payments identify the most significant developments shaping the industry and understand how to best anticipate, and act, on them.

In each episode Shona Sabah will be sitting down with a senior payments leader for an honest and open conversation about how they’re interpreting key shifts and trends, the impact they’re seeing in their roles, and the practical advice and they'd give to others in similar positions.

Recorded in our Central London studio, every conversation will balance professional insight with candid personal perspective and aims to be inspiring, educational and insightful in equal measure...

Episode 1 is coming soon 👀

In today’s episode — originally written as an article by Prithweesh De — we’re talking about one of the biggest challenges facing insight teams inside banks and payments companies: delivering fast without sacrificing quality.

In today’s episode — which was originally written as an article by Shona Sabah — we’re exploring one of the most important and fast-moving developments in the payments industry: how agentic AI is changing the way transactions are routed, approved, and optimised, and what it means for merchants, consumers, and payment providers.

In today’s episode — which was originally written as an article by Prithweesh De — we’re talking about one of the biggest challenges facing insights teams in banks and payments firms: how to prioritise competing requests, stay focused on what really matters, and demonstrate strategic impact across the business.