EPISODE 102- The Fast and the Fee-less: Lloyds' Head of Payments Industry & Regulation Stuart Bailey on Fixing Global Payments

Stuart Bailey is the Head of Payments Industry and Regulation at Lloyds Banking Group, one of the UK's largest and most influential financial institutions. With decades of experience across transaction banking, corporate payments, financial institutions, and regulatory strategy, he has built a career at the heart of how money moves. Stuart plays a leading role in shaping the UK's payments landscape, engaging with regulators, industry bodies, and global networks to drive better outcomes for customers and businesses alike. He is a recognised voice on cross-border payments, digital strategy, and the future of financial infrastructure, regularly speaking at major industry events like SIBOS and the Payments Leaders Summit. Beyond banking, Stuart champions enterprise and entrepreneurship at Newcastle University, personally mentoring student founders and helping build programmes that turn ideas into real businesses. He is someone who has spent his career inside one of the world's biggest financial systems, and somehow still believes it can be changed from within.On The Menu:Why cross-border payments still lose money in transit today Who's liable when an AI makes a bad payment How verification of payee quietly stopped fraud at scale What entrepreneurship at Newcastle University taught him How banks build trust customers don't even notice The four-part Swift scheme fixing international payments Can a giant institution like Lloyds still move fast