The Payment Expert Podcast

SBC Media
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Welcome to The Payment Expert weekly podcast, brought to you by SBC Media. Each week we analyse the news driving the global payments industry forward; the innovation, the infrastructure, and everything that has to happen to make it all possible.

  1. 2 days ago

    Open Banking's Biggest Problem: The FCA Has a Plan | Ep. 15

    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 crossroadsThe FCA's new statutory powers explainedWhy the commercial model has failed so farVariable recurring payments (VRP) — the game changer?Reliability & error messaging: the industry's weak spotOpen Finance vision: mortgages, SMEs, and pensionsThe PRISM framework: how the FCA prioritises use casesWhat needs to happen before 2028 🔔 Subscribe for weekly payments, fintech, and financial services news. #OpenBanking #OpenFinance #FCA #Fintech #UKPayments

    21 min

  2. 17 Jun

    Capgemini- Fraud Beyond The Banks| Ep. 014

    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 insightsRole of AI in fraud detection and preventionCross-sector collaboration between finance, telecom, and social mediaRegulatory incentives and misalignmentsImpact of instant payments on fraudUK's national fraud strategy and online crime centreHost: Louis ThompsettGuest: Oliver HanmerProducer: Anaya McDonaldEditor: Anaya McDonald Learn more about the latest payments insights: https://paymentexpert.com

    21 min

  3. 10 Jun

    The Future of Payment Automation with UK Payments Initiative (UKPI)| Ep. 013

    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 bankingCommercial Variable Recurring Payments (cVRPs) vs. traditional direct debits and cardsThe phased rollout of cVRPs (Wave 1 restricted use cases to Wave 2 broader applications)Consumer benefits, including payment parameters, visibility, and control within banking appsRegulatory considerations, independent pricing principles, and mitigation of litigation risksTechnical plumbing, industry collaboration, and transaction volume as key success metricsHost: Louis Thompsett Guest: Richard Mould Producer: Anaya McDonald Editor: Anaya McDonald Learn more about the latest payments insights: https://paymentexpert.com

    22 min

  4. 3 Jun

    Stablecoins and AI at Money20/20 Europe | Ep. 012

    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 landscapeAgentic AI and its impact on paymentsTokenisation projects like Project AgoraIndustry consolidation and M&A activityFraud and identity security advancementsHost: Louis ThompsettGuest: Justin JacobsProducer: Anaya McDonaldEditor: Anaya McDonald Learn more about the latest payments insights: https://paymentexpert.com

    20 min

  5. 27 May

    Beyond the Rail: Pay.UK’s Vision for a Multi-Money World| Ep. 011

    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 interoperabilityOpportunities in programmability and new use casesResilience and diversity of payment optionsTrust, consumer protection, and fraud preventionRegulatory adaptation and industry collaborationHost: Louis ThompsettGuest: Justin JacobsProducer: Anaya McDonaldEditor: Anaya McDonald Learn more about the latest payments insights: https://paymentexpert.com

    21 min

  6. 20 May

    The Fintech Regulatory Revolution | Ep. 010

    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 ThompsettGuest: Shaanil Senarath-DassanayakeProducer: Anaya McDonaldEditor: Anaya McDonald Learn more about the latest payments insights: https://paymentexpert.com

    29 min

  7. 13 May

    Cross-Industry Defense: GSMA’s Top 5 Mobile Security Innovations | Ep. 009

    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 trendsGSMA's role in securing the mobile ecosystemInnovative API solutions for fraud detectionCross-industry collaboration against scamsImpact of open source and AI on securityHost: Louis ThompsettGuest: Samantha KightProducer: Anaya McDonaldEditor: Anaya McDonald Learn more about the latest payments insights: https://paymentexpert.com

    24 min

  8. 6 May

    Swift’s Digital Asset Innovation: Future Payments | Ep. 008

    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 ThompsettGuests: Nick Kerigan Producer: Anaya McDonaldEditor: Anaya McDonald

    18 min
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Welcome to The Payment Expert weekly podcast, brought to you by SBC Media. Each week we analyse the news driving the global payments industry forward; the innovation, the infrastructure, and everything that has to happen to make it all possible.

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