The Payments Shed

Grant Evans and Justin Hanna

Welcome to The Payments Shed, the podcast where payments, fintech and business leaders share the ideas shaping the future of commerce. Hosted by Grant Evans, Justin Hanna, Sarah Stapp, Kara Parkey, Liam Gray, Jasmine Chana, Jason Heister and Rogier Rouppe van der Voort, our team has held leadership roles at Global Payments, Worldpay, PayPal, Braintree, Aeropay, MX, Coast, AFT, VGS, Checkout.com, Plaid and PCN. Join a community of 200k+ LinkedIn followers and 350k+ YouTube subscribers for practical insights, honest conversations and strategies from the people building the future of business.

  1. 15 min ago

    Ep. 125 - From POC to Partnership: How Banks and Fintechs Actually Work Together

    Getting a bank's attention is one thing. Turning that interest into a real partnership is another.Live from Fintech Meetup Europe in Lisbon, Jasmine Chana is joined by Laurens Hamerlinck, Head of Fintech Venturing at ABN AMRO, to explore what it really takes for banks and fintechs to work together.Drawing on his experience engaging with fintech startups and the Techstars accelerator, Laurens shares his perspective on what banks look for in potential partners, where startups often go wrong, and why promising proofs of concept don't always translate into long-term commercial relationships.In this conversation, they explore:Why banks engage with the fintech ecosystemWhat startups and scaleups can do to get a bank's attentionCommon mistakes fintech founders make when pitching to banksHow to move from a proof of concept to a meaningful partnershipWhy banks can be slow to make decisions and what helps accelerate the processThe role of compliance, legal and risk in the age of AIHow to distinguish real business value from innovation theatreWhat bank-fintech partnerships could look like five years from nowBecause successful collaboration isn't just about having innovative technology. It's about finding the right fit, demonstrating value and understanding what it takes to work within a banking environment.Watch this special Fintech Meetup Europe episode of The Payments Shed Podcast, hosted by Jasmine Chana.A huge thank you to our sponsors Mastercard, Salesloft, Cyclops & PCN for supporting The Payments Shed Podcast. Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 125 - From POC to Partnership: How Banks and Fintechs Actually Work Together

  2. 2 days ago

    Ep. 124 - Own What Matters: The Modular Lending Playbook, with YouLend

    In the latest episode of The Payments Shed Podcast, Kara Parkey is joined by Ted Kirk, Country Head US – Strategic Partnerships at YouLend, in New York City, for a conversation exploring why embedded lending is becoming one of the most strategic capabilities for software platforms, and why the traditional buy versus build debate is no longer enough. Ted takes us inside YouLend's approach to embedded finance, explaining why lending is evolving from a nice-to-have feature into a powerful driver of merchant growth, platform revenue and customer retention. They explore what a successful lending strategy actually looks like, how platforms can identify the right moment to offer financing, and why getting the timing wrong can mean missing significant commercial opportunities. At the heart of the conversation is the shift towards modular lending infrastructure. Rather than choosing between building everything in-house or outsourcing the entire experience, Ted explains why platforms should focus on owning the parts of the lending journey that genuinely differentiate their proposition. From customer relationships and distribution to data, underwriting and infrastructure, they discuss where platforms should invest their resources and where specialist partners like YouLend can help accelerate growth. Kara and Ted also explore what successful go-to-market strategies look like in practice. From launching with a lightweight lending proposition to gradually taking greater ownership as demand grows, they discuss why flexibility matters, the risks of overengineering too early, and how partnerships can evolve alongside the needs of merchants and platforms. The conversation then turns to the US embedded lending market, where Ted leads YouLend's strategic partnerships. They unpack what makes the US different from other markets, the challenges of bringing new platform partnerships to market, and what it takes to compete in an increasingly crowded embedded finance ecosystem. Looking ahead, Ted shares his perspective on where embedded lending is heading over the next 12 to 24 months, the opportunities emerging for platforms that get their strategy right, and why the next generation of embedded finance could be defined less by who builds the most and more by who owns what matters. Plus, Ted steps up for The Payments Shed's legendary Shelf of Shame to nominate one assumption about how platforms approach lending that he'd happily banish forever. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 124 - Own What Matters: The Modular Lending Playbook, with YouLend

  3. 3 days ago

    Ep. 123 - The Diaspora Dividend: Building Fintech for the Global Majority, with Valerie Kontor - Founder of Black In Fintech

    In the latest episode of The Payments Shed Podcast, Grant Evans and Justin Hanna are joined by Valerie Kontor, Founder of Black in Fintech, for a conversation exploring why some of the biggest opportunities in financial services are emerging from communities and markets that the traditional fintech industry has historically overlooked. Valerie takes us inside the story behind Black in Fintech and the importance of connecting talent, experience and opportunity across the financial services ecosystem. They explore the financial realities of diaspora communities, where managing money across borders, currencies and financial systems has been part of everyday life long before cross-border payments and embedded FX became mainstream fintech talking points. From the economic importance of remittances to the challenges of building financial products around globally connected consumers, they discuss why these experiences deserve to be treated as core market opportunities rather than niche use cases. The conversation then challenges the traditional narrative around underserved markets and the global majority. Valerie explains why language matters when describing financial inclusion, and how innovations such as mobile money and community savings models, including stokvels and chamas, demonstrate that some of the most interesting financial innovation is already happening outside the industry's traditional centres. They explore what the wider fintech ecosystem can learn from these models and why the scale of unmet financial needs represents an enormous opportunity for businesses willing to rethink how products are designed. They also discuss the practical barriers to changing established underwriting models, from regulation and data reliability to the challenge of building trust in new approaches. The conversation also explores why financial inclusion needs to go beyond simply providing access. Opening a bank account or gaining access to a financial product is only the beginning. Valerie explains why meaningful participation, financial agency and products designed around real customer needs are just as important, and how greater representation within the teams building financial services can influence the problems they choose to solve. Plus, Valerie steps up for The Payments Shed's legendary Shelf of Shame to nominate one fintech industry habit, assumption or piece of jargon around inclusion and representation she'd happily banish forever. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 123 - The Diaspora Dividend: Building Fintech for the Global Majority, with Valerie Kontor - Founder of Black In Fintech

  4. 4 days ago

    Ep. 122 - LHV Bank presents Match Made in Fintech, featuring Wise Platform, hosted by The Payments Shed Podcast

    In this special episode of The Payments Shed Podcast, recorded live from LHV Bank's rooftop terrace in central London, Grant Evans and Justin Hanna are joined by Roisin Levine, Head of UK & Europe Bank Partnerships at Wise Platform, and Tom Ronayne, Director of Banking Services at LHV Bank, for an exclusive fireside conversation launching LHV Bank's new Match Made in Fintech series, filmed in front of a live audience. Bringing together two businesses at the heart of modern financial infrastructure, the conversation explores one fundamental question: is today's banking infrastructure actually ready for what comes next? From the evolution of fintechs into regulated financial institutions to the growing demands being placed on banking partners, they unpack how the relationship between banks, fintechs and technology platforms is changing. Roisin and Tom explore the journey from fintech startup to regulated Electronic Money Institution (EMI), including what happens when businesses begin to outgrow traditional banking relationships. They discuss whether obtaining your own regulatory licence really creates independence, or simply changes the type of infrastructure, services and partnerships you need to support the next stage of growth. The conversation then turns to what a genuine banking infrastructure partnership should look like. Beyond simply providing accounts and access to payment rails, today's fintechs increasingly need APIs, real-time payments, virtual IBANs, FX and liquidity capabilities that can scale alongside their businesses. Roisin and Tom share perspectives from both sides of the relationship, exploring why deeper collaboration, flexibility and modular infrastructure are becoming essential to supporting the next generation of financial services. Looking ahead, Grant, Justin, Roisin and Tom discuss how the boundaries between banks, fintechs and technology platforms could evolve over the next five years. Will more fintechs become banks? Will banks increasingly operate as infrastructure platforms? Or will the future be defined by a more collaborative ecosystem where specialist providers work together behind the scenes? Plus, in front of the live London audience, both Roisin and Tom take on The Payments Shed's legendary Shelf of Shame, nominating the banking and fintech narratives they'd happily banish from the industry. A special thank you to LHV Bank for partnering with The Payments Shed Podcast to launch Match Made in Fintech, and for hosting us on their fantastic rooftop terrace in the heart of London. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 122 - LHV Bank presents Match Made in Fintech, featuring Wise Platform, hosted by The Payments Shed Podcast

  5. 7 Oct

    Ep. 121 - Local Payments, Global Scale: Why One Size Doesn’t Work in Payments, with PPRO

    In the latest episode of The Payments Shed Podcast, Jasmine Chana and Justin Hanna are joined by Nicole Asling, SVP Global Relationship Management at PPRO, for a conversation exploring why there is no such thing as a truly global payments strategy without understanding what customers actually want to use locally. Nicole takes us inside the changing European payments landscape, from the continued evolution of cards and local payment methods to the growth of account-to-account payments, open banking and BNPL. They explore where A2A is genuinely gaining ground, why Europe remains far from a single payments market, and how consumer expectations continue to differ significantly from country to country. The conversation then goes global, comparing Europe with markets across LATAM and the US. Nicole shares her perspective on why some markets have been able to leapfrog traditional payment infrastructure, whether alternative payment methods can genuinely challenge cards in the US, and whether global commerce is ultimately moving towards greater convergence or even more fragmentation. For merchants, that fragmentation creates real complexity. Jasmine, Justin and Nicole unpack what happens when businesses need to support different payment methods, providers and consumer preferences across multiple markets, why simply having access to a payment method isn't enough, and where PPRO fits into the global payments value chain by helping businesses connect to and manage local payment ecosystems at scale. They also step beyond the technology to discuss what it takes to build and lead commercial teams in a global payments business. Nicole shares what she looks for in strong commercial operators, why local market knowledge needs to work alongside a global strategy, and some of the mistakes businesses make when attempting to scale internationally. The conversation also explores Nicole's advocacy for women in payments and financial services, where she believes the industry has made progress and where more work remains. They discuss representation, support and progression into senior roles, as well as what male colleagues and leaders can do to help create more opportunities. Nicole also shares her advice for anyone looking to progress into senior commercial leadership and the importance of performance, visibility and relationships throughout a career. Plus, Nicole steps up for The Payments Shed's legendary Shelf of Shame to nominate one payments trend or industry narrative she'd happily banish forever. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 121 - Local Payments, Global Scale: Why One Size Doesn’t Work in Payments, with PPRO

  6. 5 Oct

    Ep. 120 - One Customer. One Revenue Record. Why HubSpot Is Bringing Payments Into the CRM.

    In the latest episode of The Payments Shed Podcast, Grant Evans and Justin Hanna are joined in New York City by Joe Perro, Group Product Manager, Payments at HubSpot, for a conversation exploring what happens when payments, billing and revenue data stop living outside the CRM and become part of the same system businesses use to manage their customers. Joe explains why fragmented revenue infrastructure creates much bigger problems than simply switching between systems. With quoting, contracts, billing and payments often sitting separately from the customer record, sales and finance teams can end up working from different versions of the truth. They explore why HubSpot sees this as a context problem, and what changes when the complete revenue journey can sit alongside the customer relationship. At the centre of the conversation is HubSpot's Revenue Hub, bringing quoting, contracts, billing and payments together within HubSpot. Joe takes Grant and Justin through the journey from quote to cash, how businesses can connect marketing activity through to paid and expanded ARR, and the deliberate line HubSpot is drawing between becoming the system for managing revenue and trying to replace the ERP. They also explore why payments are becoming part of the wider revenue workflow. Joe explains what it takes to convince businesses to move established quoting, invoicing and renewal processes into their CRM, what a great buyer experience should look like from initial quote through to payment, and why having payments connected to the customer record can change how businesses understand and manage revenue. The conversation then turns to AI and agentic workflows. If an AI agent is expected to take meaningful action across sales and revenue, it needs the right context. Joe explains what breaks when billing and payment information sits in separate systems, where humans still need to remain in the loop, the risks businesses need to consider, and what revenue tasks could become increasingly automated as the underlying data becomes more connected. Finally, Joe shares his own journey through Zapier, ezCater and Indigo to HubSpot, and what he's learned from building commerce and payments capabilities inside a platform used by businesses at huge scale. They discuss the challenges of introducing financial workflows into a CRM, the responsibility that comes with handling something as sensitive as billing and payments, and what has surprised him most about how customers use these capabilities. Plus, Joe steps up for The Payments Shed's legendary Shelf of Shame to nominate one habit, assumption or piece of jargon from the payments or SaaS world he'd happily banish forever. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 120 - One Customer. One Revenue Record. Why HubSpot Is Bringing Payments Into the CRM.

  7. 2 Oct

    Ep. 119 - Sales Has Changed: Why Most Outbound Is Broken and What Actually Works Now, with Pareto Law

    In the latest episode of The Payments Shed Podcast, Grant Evans and Justin Hanna are joined by Mesha Wright, Sales Director at Pareto Law, for something a little different, stepping away from payments infrastructure to explore the thing that underpins the growth of almost every business in the industry: sales. Mesha brings a front-row view of how sales teams and talent are evolving across the UK and US. They explore the differences between the two markets, from culture and intensity to the balance between quality and quantity, and what genuinely separates high-performing salespeople and teams from the rest. The conversation then turns to why traditional outbound is struggling. Buyers are more informed, harder to reach and exposed to more sales messages than ever before, yet many businesses are still relying on the same tactics they used a decade ago. Mesha explains what has changed, why simply increasing activity isn't necessarily the answer, and what salespeople need to deliver in that crucial first interaction to actually earn someone's attention. They also get into what it will take to stand out in 2027. From personalisation and personal brand to creativity and relevance, Mesha shares what she's seeing from the strongest candidates and salespeople in the market, alongside the outreach approaches that are still genuinely cutting through. For those looking to break into sales, Mesha explains what Pareto looks for when hiring and developing people with little or no previous experience, what candidates can do before they even apply, and the mistakes that can quickly take someone out of the running. They also discuss how leaders identify genuine potential, develop high performers and create environments where their best people actually want to stay. The conversation also tackles the experience of women in sales. Mesha shares her own perspective on the challenges she's encountered, where the industry has made progress and where gaps remain, as well as what businesses and male colleagues can do to better support and empower women building careers in sales. Plus, Mesha steps up for The Payments Shed's legendary Shelf of Shame to nominate one sales trend or tactic she'd happily banish forever. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 119 - Sales Has Changed: Why Most Outbound Is Broken and What Actually Works Now, with Pareto Law

  8. 30 Sept

    Ep. 118 - Consent Is the Currency: Who Wins in the Open Finance Economy? - with Mastercard Open Finance

    In the latest episode of The Payments Shed Podcast, filmed live from New York City, Kara Parkey is joined by Jess Turner, EVP, Global Head of Open Finance & Developer Experience at Mastercard, for a conversation exploring why the future of open finance isn't simply about access to financial data, but about something far more fundamental: earning consumer trust and permission to use it. Drawing on nearly 20 years at Mastercard, Jess reflects on how the payments and financial services ecosystem has evolved, from traditional card infrastructure to a world increasingly shaped by connected data, personalisation and consumer control. They explore what has genuinely changed, how banks, fintechs and merchants are adapting, and why open finance represents a much bigger shift than simply introducing new technology. At the heart of the conversation is consent and the value exchange behind it. Kara and Jess unpack findings from Mastercard's 2026 State of Open Finance research, exploring why consumers are increasingly willing to share their financial data when they understand the benefits, and where providers continue to fall short. From user experience and brand trust to transparency and relevance, they discuss why designing for genuine consumer permission needs to go beyond simply meeting compliance requirements. The discussion also explores how open finance is reshaping credit decisioning, onboarding and customer relationships. Jess shares her perspective on the growing role of permissioned financial data alongside traditional credit reference agencies, and how different consumer attitudes towards data sharing should influence the way businesses design their propositions. They examine the opportunity to create a stronger relationship between consent, personalisation and ongoing customer value. The conversation then turns to AI and the emerging open finance control layer. As artificial intelligence increases the potential value of connected financial data, does consent become an even more important competitive differentiator? Kara and Jess explore the balance between innovation and transparency, who should control permissioned data, and whether AI will ultimately strengthen consumer trust through better financial experiences or introduce new challenges around accountability. Looking ahead, Jess shares what she believes will materially change in open finance over the next three to five years, where the industry may be getting ahead of itself, and what she would approach differently if building an open finance platform from scratch today. Plus, Jess steps up for The Payments Shed's legendary Shelf of Shame to nominate one payments or open finance narrative she'd happily banish forever. *** The Payments Shed Podcast is sponsored by Cyclops. Cyclops helps payments companies offer crypto acceptance, stablecoin settlement and payouts through one unified infrastructure platform. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠https://cyclops.finance/⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Salesloft. Salesloft uses agentic AI to turn buyer, conversation, deal and forecast data into clear actions that help revenue teams sell smarter. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.salesloft.com⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is sponsored by Mastercard Open Finance. Mastercard Open Finance enables businesses to use consumer-permissioned financial data to create more connected and personalised financial experiences. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.mastercard.com/global/en/business/open-finance.html⁠⁠⁠⁠⁠⁠⁠⁠ *** The Payments Shed Podcast is partnered with PCN. PCN is a global boutique recruitment agency connecting leading talent and businesses across fintech, cybersecurity, SaaS, e-commerce and Salesforce. Find out more: ⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠ *** Disclaimer: Views expressed are those of The Payments Shed Podcast hosts and guests, not their respective employers. Nothing discussed constitutes investment, legal, tax or financial advice.

    Ep. 118 - Consent Is the Currency: Who Wins in the Open Finance Economy? - with Mastercard Open Finance
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About

Welcome to The Payments Shed, the podcast where payments, fintech and business leaders share the ideas shaping the future of commerce. Hosted by Grant Evans, Justin Hanna, Sarah Stapp, Kara Parkey, Liam Gray, Jasmine Chana, Jason Heister and Rogier Rouppe van der Voort, our team has held leadership roles at Global Payments, Worldpay, PayPal, Braintree, Aeropay, MX, Coast, AFT, VGS, Checkout.com, Plaid and PCN. Join a community of 200k+ LinkedIn followers and 350k+ YouTube subscribers for practical insights, honest conversations and strategies from the people building the future of business.

Information

  • Creator
    Grant Evans and Justin Hanna
  • Years Active
    2025 - 2026
  • Episodes
    125
  • Rating
    Explicit
  • Copyright
    © Grant Evans and Justin Hanna
  • Show Website
    The Payments Shed

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