Payment Talks

In this episode of Payment Talks, host Scott Harkey speaks with Gary Conroy, CEO of TransferMate, about what it takes to build and scale a global payments infrastructure in a rapidly evolving ecosystem.  From embedding payments into B2B platforms to rethinking fintech-bank partnerships, Gary unpacks the operational and commercial levers transforming cross-border finance.  Tune in to learn:  Why cross-border B2B payments are ripe for embedded innovation  How TransferMate builds tech that mirrors consumer-like experiences  What makes fintech and bank partnerships succeed today  How agentic AI and tokenisation are reshaping what's possible  Why being the bridge (not the blocker) is the next competitive advantage   

In this episode of Payment Talks, host Scott Harkey sits down with Ainsley Merchant, Senior Director of Financial Services Growth at Worldpay to discuss one of biggest shifts shaping the payments ecosystem today: software-led decision-making.  Recorded after our exclusive Payments Panel event in London, Scott and Ainsley unpack how embedded payments, verticalised platforms and ecosystem partnerships are redefining how financial institutions grow and compete.  Tune in to learn:  Why software-first thinking is changing how payment providers go to market  How ISVs and platform players are driving vertical innovation  What's next for embedded payments, orchestration and agentic AI  Why flexibility, not just reach, is becoming a key differentiator  The evolving role of partnerships in driving scale, speed and innovation  Get a practical look at how leading players are navigating complexity, building adaptability into their tech stacks and preparing for the next wave of disruption in payments. 

We talk to Enfuce, award-winning issuer, issuer processor and program manager, who saw the potential of the cloud early to capitalise on speed and scale whilst not compromising accuracy. Co-founder Monika Liikamaa explains the 'levelling up' ethos behind Enfuce, from 'making it count' to 'everyone giving a damn.' We upack how virtual cards will evolve into objects that become their own payment facilitator, the importance of the card rails or 'motorway' and leveraging these foundations that are already built, critical for the facilitation of money around the world.

With real-time transactions reshaping the customer experience, it's crucial for FIs to adopt the right technology partner to help meet evolving demands. In this episode with The Clearing House, we explore the impact of instant payments and highlight our new co-authored report that helps FIs find their perfect solution provider. We speak with @Elena Casal, Chief Client Officer, at The Clearing House, who shares insights from the report, Understanding Instant Payment Solution Providers. Elena discusses how the report can help FIs decide on a provider to successfully leverage instant payments, improve customer satisfaction, streamline processes and stay competitive in an increasingly real-time world.  Catch the full conversation to learn how instant payments can drive innovation and create value for both banks and customers alike! Download the full report here: Understanding Instant Payment Solution Providers

When you look at total customer value it's clear that merchant services is important, it's a driver of deposits and everything else that drives a bank. That's why keeping merchants sticky is increasingly important. How do you give your merchants the best experience and keep them happy and with you? That's where Paydock comes in, a leading payment orchestration platform, that delivers the competitive features that merchants want and the ability for the bank to cross-sell through the whole bank proposition. We talk to @Rob Lincolne, Founder & CEO of Paydock, as he explains how the main financial institution for a merchant is shifting from where you put your deposits to who handles your payments.   

In this episode of PaymentTalks, host Scott Harkey sits down with Justin Gregory, Head of Technology, Payment, Fraud, and Tax at ASOS, the globally recognized fashion brand. They dive deep into the dynamics of online marketplaces, discussing how they're adapting to meet the demands of an ever-expanding array of payment solutions that today's consumers want to use. Learn how seamless payment integration is key to enhancing customer experience, driving growth, and building a successful marketplace.   Tune in to discover the future of payments in e-commerce!

US healthcare payments is complicated, you don't often plan for healthcare and all of a sudden you can have a big bill to settle. We're joined by Johnathan Welch, Chief Product Officer and Ryne Natzke, Chief Revenue Officer, from TrustCommerce, part of Sphere, a leading US healthcare software and payments technology company. We discuss how omnichannel payment options including digital wallets are helping remove payment  friction. And how tech is playing a role in better transparency and data flow, helping to simplify healthcare payments and enable smart payment plans that go a long way with improving collection and the user experience.

We're seeing a shift in B2B cross-border payments as we move away from purchase decisions purely based on price to ones based on experience. Scott is joined by Will Marwick CEO of IFX Payments to unpack the latest in cross-border payments. And if anyone knows customer experience it's fintechs. As Will explains, fintechs like IFX Payments, are positioning themselves as partners with their B2B customers to help give competitive advantage with cash flow. Something well worth paying a premium for.

The last few years has seen an explosion in FX as the euro has impacted the dominance of the dollar. Scott is joined by John Min, VP and Chief Economist at Monex, as they discuss the phenomenal and growing size of the FX market, how fintechs are taking market share from banks and how B2B requires a much better quality service and execution. As John explains, fintechs have pivoted to partnering with banks to give them the agility they need. There's also a nod to what's coming, Cloud + AI, we can expect radical change and a real risk banks will be left behind. Insurance Unlimited

Open banking is sweeping the globe, what can we learn from other markets more advanced with regulation? We ask Ilia Dragan, Chief Product Officer, Salt Edge, the award-winning open banking services provider and a new Endava ecosystem partner, what lessons can be learnt from Saudi Arabia. The big banks driving the market there aren't just interested in ticking the regulation box, they see the advantages of selling in other product and services when they're set up for open banking.

AI and machine learning (ML) have been an important part of payments for some time but we're entering a growth phase for merchants. We ask Matthieu Barral, Head of Commercial UK, Checkout.com, if its cost reduction or efficiency that's driving this and what statistical impacts are merchants experiencing. Is AI overhyped and what other tech trends are driving new revenue opportunities? What could be a surprising twist in payments?

Consider the possibility of business owners accessing payment deals from the entire PSP market and applying online round-the-clock, 365 days a year. This is the visionary concept being developed by our guest, Sebastian Wood, Founder, and Director of AcceptPayments.com, through an innovative online comparison marketplace. How do such marketplaces transform the relationship between merchants and PSPs? Could this redefine how businesses seek out their PSPs? And what role will digitalizing onboarding and AI play in this transformative journey?

Embedded pre-processing of payments means greater transparency and also better liquidity management, a win-win for customers and global business. Rachel Hunt, Head of Strategy and Growth for Volante, the cloud-native Payments-as-a-Service (PaaS) provider, discusses the benefits and how banks can better manage their payments infrastructure. With cross-border, instant payments and domestic payment streams that have evolved over decades, it's often the case that the more complex the organisation the bigger the challenge.

Financial well-being products, budgeting and spending tools, accelerated wage access, tech is already helping solve some of the problems raised by the cost of living crisis. With many adults facing difficulties paying bills, Jeff Parker, SVP and MD of Marqeta, the modern card issuing platform, discusses the influence of culture and asks, is credit good? Data, AI and ML are already helping drive the accuracy of behaviours and we could see improved credit decisioning, whilst tokenised virtual cards could provide credit on the fly. One things for sure, tech remains creative in tough economic times.

Last year Endava was awarded Stripe's Partner of the Year for our work in the UK and Ireland. As global players, both Endava and Stripe are committed to working together to provide better payments experiences. Samantha Phillips, Stripe's Payments Performance Strategist, shares her insight on how cultural norms, innovation and regulation are shaping adoption of APMs and LPMs regionally. We even look ahead to 2050 for her long view on where we're all heading!

Cloud native payments-as-a-service platform Form3 is at the forefront of helping FIs seamlessly connect to the rails that enable RTP and Faster Payments. How soon will having access to money in seconds rather than days become standard? Will customers be happy to leave it to the experts? What about real-time fraud? Does everyone in the payments ecosystem need to chip in?

NatWest has been at the forefront of open banking, providing customers with alternative ways to pay since 2019 but what's the path to ubiquity? With new innovative payment journeys that provide speed, transparency and cost avoidance, what's the process to getting market traction when habits are so hard to change?