Payments:Unpacked Podcast

Payments:Unpacked
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Don't just follow payments. Understand them. Payments:Unpacked delivers independent analysis you won't find in a press release — straight to your podcast feed. northeypoint.substack.com

  1. Jul 27

    Agentic AI Is Rewriting the Rules of Business Payments

    Most finance teams have been held back by siloed systems—until now. Richard Ransom from Bottomline reveals how agentic AI is transforming business payments, turning complex processes into seamless, intelligent workflows. In this episode, we dive into the innovative concept of the office of the CFO and how it unites accounts payable, receivables, treasury, and fraud management under a single, data-connected vision. Richard shares how the new CFO Suite of tools is enabling organisations to break down traditional silos and harness the full power of their financial data, driving smarter, faster decision-making. You’ll discover how agentic AI differs radically from traditional AI by understanding objectives, orchestrating workflows, escalating exceptions, and acting autonomously - all while keeping humans firmly in control. Richard breaks down practical applications, like automating invoice approval or inventory-based purchasing, with guardrails to minimize risk and optimize cash flow. Most importantly, you’ll learn why this shift is inevitable. As boards and CFOs increasingly prioritise automation and strategic insights, agentic AI isn’t just a future trend - it’s a game changer for finance and beyond. If you’re ready to cut costs, reduce errors, and empower your team to focus on growth, this episode is essential listening. Perfect for finance leaders, CFOs, and tech innovators eager to understand the transformative potential of agentic AI in payments. Whether you’re just starting or already experimenting with automation, you’ll leave with actionable insights to stay ahead. And if you want to explore how to implement agentic AI in your own organisation, Richard points to valuable resources on Bottomline’s website. The future of finance is here - don’t get left behind. This Substack is reader-supported. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  2. Jul 24

    £747Billion Before Breakfast

    Every day, £747 billion moves through the UK’s payment systems—but almost all of it flows through just two invisible pieces of financial infrastructure. In this episode, Mike Chambers unpacks the surprising reality behind the UK’s payments ecosystem. Discover why CHAPS and CREST account for 98.5% of all value settled, why the payment systems most of us use every day represent just 1.5% of the total, and why the way we visualise payments can completely change our understanding of the industry. Featuring insights from Bank of England settlement data, this episode reveals the hidden scale of the UK’s financial plumbing—and explains why every payments statistic depends on which chart you’re looking at. Based on the Payments:Unpacked article: “Where Britain’s Money Actually Moves.” Chart 1: Chart 2: Your summer 2026 payments strategy - all in one place Everything you need to know about payments, without the usual noise. Even on holiday, payments don’t slow down. ISO 20022 deadlines, real‑time expansion, rising fraud, and regulatory pressure are all accelerating into 2026. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  3. Jul 20

    Return to Sender: WH Smith’s, Cheques, and the Slow Fade to Beige

    WH Smith’s collapse from railway-station pioneer to beige, unfocused high street fixture offers an unlikely lesson for the Bank of England’s new payments infrastructure. With cheques now making up just 0.4% of daily UK settlement volume, this episode argues that bolting a dying legacy channel onto tomorrow’s payments rails — “just in case” — doesn’t preserve it, it just drags the whole system down. A case for letting cheques wind down on their own terms, rather than building the financial equivalent of TGJones. This Substack is reader-supported. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  4. May 1

    Podcast: Digital Inclusion Insights

    Join Faith Reynolds from Devon Fields Consulting and Jemma Waters from the Connection Project as they reveal a wealth of digital inclusion insights. Both Faith and Jemma mention a number of assets in their discussion - here’s the links to the items they mention: * Hidden Heroes - Understanding the UK’s 11 million financial helpers * ConsumerDigital Index * If I Needed Someone - Money and Mental Health Policy Institute * Project Nemo - Learning Disabilities Report * The Connection Project - Rethinking digital inclusion * Misconnected Report Payments:Unpacked | On A (Slight) Tangent - Unscripted and unedited This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  5. Apr 17

    Gadgetbahn: Clever or just too clever?

    Payments:Unpacked | On A (Slight) Tangent - Unscripted and unedited Gadgetbahn: Clever or just too clever? This week’s podcast came from an idea surfaced by Jago Hazard on YouTube You’ll find the GadgetBahn story here. And you’ll find all the stories referenced in this podcast at either: Payments:Unpacked - www.payments-unpacked.com or New Retail Payments Infrastructure - www.newrpi.uk This Substack is reader-supported. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  6. Apr 10

    Payments, Punchlines & Progress

    Payments, Punchlines & Progress This week’s podcast came from the beach - three stories - having a laugh about payments, hidden heroes bridging the digital divide and learning from Faster Payments. You’ll find all the stories referenced in this podcast at either: Payments:Unpacked - www.payments-unpacked.com or New Retail Payments Infrastructure - www.newrpi.uk Payments:Unpacked is now fully open - all content is now available to every reader. To support our independent perspective on the payments ecosystem we navigate, we invite readers to contribute £4.35 per month — the price of a flat white. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  7. Apr 4

    Debit Cards on the Brink? St Lubbock’s Day + 5 Faster Payments Surprises

    This week’s podcast came from deepest Suffolk - three stories - Happy St Lubbock’s Day, the end of the Debit Card and five stunning facts about Faster Payments You’ll find all the stories referenced in this podcast at either: Payments:Unpacked - www.payments-unpacked.com or New Retail Payments Infrastructure - www.newrpi.uk Payment Infrastructure (NewRPI) — but will it be the phoenix our industry needs? As the journey to a NewRPI commences we’ll be bringing insights, analysis, and conversations on the future of payments infrastructure in the United Kingdom. Free from corporate or regulatory agendas, who is better placed to lead the discussion on the NewRPI than Mike Chambers — the driving force behind NewBacs, Faster Payments adoption and part of the original NewCHAPS journey. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

  8. Mar 30

    Dave The Debit Card

    Dave The Debit Card A reflective, story-driven podcast told from the perspective of a once-essential debit card navigating a rapidly evolving digital world. Through quiet, emotional storytelling, Dave explores trust, technology, and what it means to be replaced—not out of failure, but progress. A story about change… and remembering when you mattered. This Substack is reader-supported. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit northeypoint.substack.com/subscribe

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About

Don't just follow payments. Understand them. Payments:Unpacked delivers independent analysis you won't find in a press release — straight to your podcast feed. northeypoint.substack.com

Information

  • Creator
    Payments:Unpacked
  • Years Active
    2026
  • Episodes
    70
  • Rating
    Clean
  • Copyright
    © Northey Point Limited
  • Show Website
    Payments:Unpacked Podcast