The Payments Shed Podcast

Season 5 of The Payments Shed Podcast kicks off with a conversation that goes far beyond social selling.Justin Hanna is joined by Randy Petway, Senior Director and Head of Global Accounts EMEA & LATAM at LinkedIn Sales Solutions, to explore how B2B sales has fundamentally changed — and why so many organisations are still relying on outdated playbooks.Randy shares why the future of sales is increasingly being driven by signal, relevance, and discoverability rather than pure outbound volume. The discussion explores how buyer behaviour has evolved, why data quality is becoming one of the biggest competitive advantages in modern sales, and what separates the businesses consistently winning on LinkedIn from those struggling to generate meaningful engagement.They also unpack the shift from interruption-based selling to becoming discoverable by ideal customers, the biggest myths surrounding the LinkedIn algorithm, and why mindset often matters far more than tooling when building a successful sales strategy.Plus, Randy steps up for The Payments Shed's legendary Shelf of Shame to nominate one B2B sales and LinkedIn trend he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform built for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay-ins, pay-outs and fiat-to-digital asset conversion, with simple API or low-code integration.Learn more at: https://cyclops.finance/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from Money20/20 Europe in Amsterdam, Grant Evans is joined by Ian White, Senior Vice President, Open Finance Europe at Mastercard, for a conversation exploring how one of the world's largest payments companies is helping shape the next generation of financial services.Ian shares Mastercard's perspective on the evolution of open banking, the growing convergence of payments and data, and why account-to-account payments are becoming an increasingly important part of the global commerce landscape. The discussion explores how consumer expectations are changing, the opportunities and challenges surrounding open finance, and why connectivity between financial institutions, merchants, and consumers is becoming more valuable than ever.They also unpack the role AI is beginning to play across payments and financial services, how Mastercard views the future of digital identity and trust, and why collaboration between banks, fintechs, and technology providers will be critical to unlocking the next phase of innovation. Plus, Ian steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in payments he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠⁠⁠https://www.damisa.xyz/⁠⁠⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from Money20/20 Europe in Amsterdam, Grant Evans is joined by Ian White, Senior Vice President, Open Finance Europe at Mastercard, and Nikogiannis (John) Karantzis, CEO of Xryma, to discuss one of the event's major announcements: a new partnership designed to accelerate cross-border account-to-account payments.The conversation explores why A2A payments have historically struggled to scale beyond domestic markets, despite years of industry excitement around open banking and real-time payments. Ian and John unpack the challenges around settlement, currency conversion, reconciliation, and refunds that have limited broader adoption, and explain why the market is finally ready for a more seamless cross-border approach.They also dive into what Mastercard and Xryma are each bringing to the partnership, how the solution is designed to simplify cross-border payment experiences for merchants and platforms, and whether A2A can genuinely emerge as a viable alternative to traditional payment rails for global commerce.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠⁠⁠https://www.damisa.xyz/⁠⁠⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from Money20/20 Europe in Amsterdam, Justin Hanna is joined by Mark McNulty, Head of UK & Europe Payments at Citi, for a conversation exploring how global businesses are managing liquidity, treasury, and payments in an increasingly complex economic environment.Mark shares how large multinational organisations are rethinking cash management, cross-border payments, and working capital strategies as expectations for speed, visibility, and efficiency continue to rise. The discussion explores real-time payments, treasury transformation, and the growing importance of integrated financial infrastructure in supporting global commerce.They also unpack the role of emerging technologies, the impact of changing regulatory frameworks, and how banks and corporates are adapting to a world where money is expected to move faster than ever before. Plus, Mark steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in banking and payments he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠⁠https://www.damisa.xyz/⁠⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠⁠https://teampcn.com/⁠⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Justin Hanna is joined by Jim McCarthy, CEO of Thredd, for a conversation exploring how card issuing infrastructure is evolving to support the next generation of fintechs, banks, and embedded finance providers.Jim shares his perspective on the transformation of the issuing landscape, why legacy technology continues to hold many organisations back, and how modern issuer processors are helping businesses launch and scale innovative payment experiences faster than ever before. The discussion explores embedded finance, programme management, global expansion, and the growing demand for flexibility across issuing and payment products.They also discuss the role of AI in financial services, the importance of resilient infrastructure in an increasingly real-time world, and how fintechs can balance innovation, compliance, and customer experience as they scale globally. Plus, Jim steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in payments he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠https://www.damisa.xyz/⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠https://teampcn.com/⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Grant Evans is joined by Harry Maurice, Director at Visa Consulting & Analytics, to unpack new industry research into embedded finance and what businesses really need from their financial services partners.Harry shares why embedded finance has moved from innovation project to boardroom priority, and why many providers are still overlooking one of the biggest differentiators in the market — service. The discussion explores how onboarding, implementation, customer support, and long-term account management are becoming just as important as product functionality when businesses evaluate embedded finance providers.They also discuss the balance between all-in-one platforms and best-of-breed solutions, where businesses are experiencing the biggest pain points today, and why great technology alone is no longer enough to drive long-term success. Plus, Harry steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in payments he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠https://www.damisa.xyz/⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠https://teampcn.com/⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from Money20/20 Europe in Amsterdam, Justin Hanna is joined by Luis Lancos, Founder and CEO of DataWhisper, for a conversation exploring how businesses can unlock more value from their payments and financial data.Luis shares why many organisations are sitting on vast amounts of data but still struggle to turn it into meaningful insights, and how advances in AI are creating new opportunities to automate analysis, uncover trends, and improve decision-making. The discussion explores the growing importance of data quality, the challenges of fragmented information across payment systems, and why better intelligence can often be a bigger competitive advantage than better technology.They also unpack the role of AI in financial services, how businesses can move beyond dashboards and reporting towards actionable insights, and what the future of data-driven decision-making looks like across payments, banking, and fintech. Plus, Luis steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in fintech he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠⁠https://www.damisa.xyz/⁠⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠⁠https://teampcn.com/⁠⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from Money20/20 Europe in Amsterdam, Justin Hanna is joined by Rogier Rouppe van der Voort, CEO at PCN, for a conversation exploring how recruitment, talent, and hiring strategies are evolving across payments, fintech, cybersecurity, and SaaS.Rogier shares his perspective on the talent challenges facing fintech businesses today, why attracting and retaining the right people has become one of the biggest competitive advantages in the industry, and how hiring priorities have shifted as the market has matured. The discussion explores the changing expectations of both employers and candidates, the rise of skills-based hiring, and what businesses are getting right — and wrong — when it comes to building high-performing teams.They also unpack the impact of AI on recruitment, the importance of employer branding, and why specialist networks continue to play a critical role in connecting top talent with some of the industry's fastest-growing companies. Plus, Rogier steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in recruitment and fintech he'd happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠⁠https://www.damisa.xyz/⁠⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠⁠https://teampcn.com/⁠⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Money20/20 Europe in Amsterdam, Grant Evans is joined by Liam Gray, Head of Account Management at Plaid, for a conversation exploring how open banking, data connectivity, and AI are reshaping financial services.Liam shares how Plaid has evolved from an account connectivity provider into a critical layer of financial infrastructure, helping businesses unlock smarter payments, richer financial insights, and more seamless customer experiences. The discussion explores the current state of open banking adoption, where the biggest opportunities still exist, and why financial data is becoming one of the most valuable assets in the digital economy.They also unpack the growing role of AI in financial services, the importance of consumer trust and consent, and how connected financial ecosystems could transform everything from payments and lending to personal financial management. Plus, Liam steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in fintech and financial services he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠⁠https://www.damisa.xyz/⁠⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠⁠https://teampcn.com/⁠⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Money20/20 Europe in Amsterdam, Grant Evans is joined by Richard Davies, CEO of Allica Bank, for a conversation exploring how one of the UK's fastest-growing banks is reshaping business banking for established SMEs.Richard shares the journey behind Allica Bank’s rapid growth, why the UK's established SME market has been underserved for so long, and how technology and relationship banking can work together rather than compete. The discussion explores the unique challenges facing growth businesses, the role of specialist lending, and why many business owners still feel overlooked by traditional banking providers.They also unpack the future of business banking, the growing importance of embedded financial services, and how banks can balance innovation, customer experience, and profitability in an increasingly competitive market. Plus, Richard steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in banking and fintech he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠https://www.damisa.xyz/⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠https://teampcn.com/⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Money20/20 Europe MoneyPot studio in Amsterdam, Grant Evans and Justin Hanna are joined by Eric Queathem, Co-Founder of Velocity, and Stuart Barclay, Co-Founder and COO, for a conversation exploring the realities of building a fintech startup in one of the most talked-about sectors in payments today.Eric and Stuart share their journeys from established careers in payments into entrepreneurship, discussing the challenges of leaving large organisations behind to build a business from scratch. The conversation dives into the realities of fundraising, scaling a team, navigating uncertainty, and what it really takes to turn an industry problem into a venture-backed company.They also unpack the growing excitement surrounding stablecoins, separating hype from reality, exploring where genuine commercial use cases are emerging today, and why infrastructure, compliance, and education remain critical to wider adoption. Plus, Eric and Stuart step up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in payments they’d happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Money20/20 Europe MoneyPot studio in Amsterdam, Grant Evans and Justin Hanna are joined by Eric Barbier, Founder and CEO of Triple-A, for a conversation exploring the evolution of digital asset payments and their growing role in mainstream commerce.Eric shares how Triple-A has expanded beyond its gaming roots to support businesses across ecommerce, travel, luxury retail, and digital services, helping merchants accept digital assets while simplifying settlement, compliance, and treasury management. The discussion explores the growing adoption of stablecoins, why businesses are increasingly looking for alternatives to traditional cross-border payment rails, and how regulation is helping drive greater institutional confidence in digital assets.They also unpack the practical realities of crypto payments, separating genuine business use cases from industry hype, and discuss where digital asset infrastructure is already creating measurable value for merchants today. Plus, Eric steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in payments and fintech he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Justin Hanna is joined by Michael Donald, CEO of ImageNPay, to explore how identity, trust, and payments are becoming increasingly interconnected in the digital economy.Michael shares the story behind ImageNPay and why he believes the future of commerce relies on giving consumers greater control over how they verify themselves and transact online. The discussion explores the challenges of digital identity, the growing cost of fraud and impersonation, and why trust remains one of the biggest barriers to frictionless digital experiences.They also discuss the role of AI in identity verification, how businesses can balance security with customer experience, and why the convergence of identity and payments could unlock entirely new opportunities for merchants and consumers alike. Plus, Michael steps up for The Payments Shed’s legendary Shelf of Shame to nominate one thing in payments and fintech he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: ⁠https://www.damisa.xyz/⁠***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: ⁠https://teampcn.com/⁠***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Grant Evans is joined by Ignacio "Nacho" Gironella, Head of Sales Europe at Paymentology, for a conversation about the gap between embedded finance ambition and reality.Nacho shares why embedded finance has become a boardroom priority, where businesses are genuinely creating value, and where the industry continues to overpromise and underdeliver.The discussion explores onboarding, servicing, provider selection, and why execution often matters more than product features. Plus, Nacho steps up for The Payments Shed Shelf of Shame.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Grant Evans is joined by Mariano Diaz, Chief Banking Officer at XACE, for a conversation exploring one of the most overlooked challenges in embedded finance — distribution.Mariano shares why building great payments technology is rarely enough on its own, and why the companies creating the most value are often those that solve distribution, onboarding, and go-to-market challenges at scale. The discussion explores the evolution of PayFac models, the realities of embedded payments adoption, and why many platforms still underestimate the operational complexity that sits behind launching financial products.They also discuss the growing convergence of software and financial services, what makes embedded finance programs successful in practice, and how platforms can avoid common mistakes as they expand their payments strategy. Plus, Mariano takes his turn on The Payments Shed’s legendary Shelf of Shame, calling out one thing in fintech he would happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Justin Hanna is joined by Louisa Murray, Chief Sales Officer at Equals, to discuss new research highlighting a growing service gap across embedded finance.Lou explains why many providers have focused heavily on technology while underinvesting in customer support, where businesses experience the biggest failures across the customer lifecycle, and how poor servicing can quietly undermine growth.They also debate the role of AI versus human expertise in financial services and explore what trust and support should look like in the next era of embedded finance. Plus, Lou faces The Shelf of Shame.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Grant Evans sits down with Albert Wong, SVP at OSL, to explore why embedded finance remains one of the industry's biggest opportunities — and one of its toughest execution challenges.Albert shares why many businesses have successfully embedded payments but still struggle to scale, where the biggest friction points sit across technology, operations, and partnerships, and why the industry may have underestimated what it takes to move from integration to long-term success.They also discuss the importance of servicing, support, and trust in embedded finance, what great partnerships actually look like in practice, and Albert steps up for The Payments Shed's legendary Shelf of Shame to call out one thing the industry continues to get wrong.***The Payments Shed Podcast is headline sponsored by Damisa.Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.Learn more at: https://www.damisa.xyz/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at: https://teampcn.com/***Disclaimer: Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live from the Equals stand at Money20/20 Amsterdam, Justin Hanna is joined by Piers Horak, CEO of AI Corp, to separate AI reality from AI hype in payments.Piers shares where AI is genuinely delivering value today, where expectations have run ahead of reality, and how payments businesses should think about trust, data quality, fraud prevention, and customer servicing.They also explore the balance between automation and human expertise, and Piers delivers his verdict in The Shelf of Shame.***The Payments Shed Podcast is headline sponsored by Damisa. Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded on a moving boat through the canals of Amsterdam during Money20/20 Europe, Grant Evans and Justin Hanna are joined by Jordan Lawrence, Co-Founder and CEO of Damisa, for a special episode that not only cuts through the noise surrounding stablecoins, but also marks two major milestones for The Payments Shed Podcast. Jordan becomes the show's first-ever returning guest, and the episode also announces Damisa as the Headline Sponsor of Season 5 of The Payments Shed Podcast. Jordan shares why Damisa has chosen the harder path of pursuing regulatory licences across multiple jurisdictions rather than relying on regulatory arbitrage, and why trust, compliance, and long-term infrastructure matter far more than short-term hype. The discussion explores the evolving global regulatory landscape, the impact of frameworks such as MiCA, and why the future of stablecoin adoption may belong to the most regulated players rather than the fastest movers.They also dive into the economics behind stablecoin infrastructure, unpacking why treasury, liquidity, and float management are becoming the real commercial engines behind the sector. From reserve transparency to banking fundamentals, Jordan explains where value is actually being created as digital payment rails mature.Looking further ahead, the conversation explores AI-driven commerce, programmable escrow, and what trust looks like in a world where machines increasingly transact with other machines. They also discuss the challenge of building sales teams for entirely new categories, separating stablecoin reality from industry hype, and where enterprise demand is genuinely emerging today.Filmed against the backdrop of Amsterdam’s iconic canals, this episode offers a unique perspective on one of the fastest-moving areas of financial technology and the infrastructure that could underpin the next generation of global commerce.Plus, Jordan steps up for The Payments Shed’s legendary Shelf of Shame — calling out the biggest misconception in stablecoins and digital payments that he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by Damisa. Damisa is a regulated cross-border payments and treasury infrastructure provider. Using a blend of traditional banking rails and stablecoin technology, Damisa helps businesses move money faster, cheaper, and more transparently across global markets. Its platform supports collections, settlements, disbursements, and liquidity management, while maintaining a strong compliance-first approach. Damisa is building the next generation of global payment infrastructure.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by John Coyne, Managing Director at Venditan and Director of Altrincham F.C., for a conversation exploring the hidden infrastructure powering modern retail — and the growing cyber risks that come with it.John shares his journey into retail technology and explains why ERP remains the often-overlooked backbone of ecommerce, payments, fulfilment, and omnichannel retail operations. The discussion explores how retail technology stacks have become increasingly fragmented and interconnected, and why many retailers still underestimate the operational complexity sitting behind the checkout experience.They also dive into the growing cybersecurity challenges facing retailers, from vulnerable integrations and third-party plugins to payment-layer exposure and ecommerce fraud. John explains the thinking behind CheckoutAudit, and why proactive visibility and prevention are becoming critical as retailers process increasing volumes of customer and payment data.Along the way, the conversation touches on AI, infrastructure modernisation, the future of retail operations, and how leadership lessons from professional football can translate into scaling technology businesses under pressure.Plus, John steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in retail tech, payments, and cyber security he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Jack Frimston and Zac Thompson, Co-Founders of We Have A Meeting, for a conversation on how modern sales is evolving far beyond traditional cold outreach.Jack and Zac share the story behind leaving the 9–5 world to build We Have A Meeting, the early realities of betting on themselves, and how they turned a fresh approach to sales into a growing brand, podcast, and community. The discussion explores why cold calling is far from dead, how buyer behaviour has changed in recent years, and why the best sales teams are now combining outbound, content, storytelling, and personal branding into one connected strategy.They also unpack the growing role of LinkedIn and social selling, why authenticity matters more than polished corporate messaging, and how content is increasingly becoming a core commercial lever rather than just a marketing exercise. Along the way, the conversation dives into their book Sales Is Therapy, the psychology behind modern selling, and what separates great sellers from transactional ones in 2026.From podcasting and audience-building to founder mindset and the future of outbound sales, this episode explores what the next generation of sales leadership really looks like.Plus, Jack and Zac step up for The Payments Shed’s legendary Shelf of Shame — calling out the sales trends and clichés they’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.Learn more at - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Julie Fergerson, CEO of the Merchant Risk Council, for a deep dive into the challenges merchants are facing across payments, fraud, regulation, and AI in 2026 — and why collaboration across the ecosystem matters more than ever.Julie explains what the Merchant Risk Council actually does, who it represents, and why it has become one of the most important communities for merchants navigating an increasingly fragmented global payments landscape. The conversation explores the differences between US and European merchant challenges, where payment providers still fall short, and why many merchants feel the industry is often built more for providers than for the businesses actually accepting payments.They also unpack the growing role of AI across fraud prevention, optimisation, and commerce, discussing where merchants are already seeing real-world value — and where the industry may be underestimating the risks. Along the way, the discussion touches on collaboration, scheme pressure, VAMP, merchant education, and why stronger relationships between merchants, acquirers, and providers are becoming increasingly critical.Plus, Julie steps up for The Payments Shed’s legendary Shelf of Shame — calling out one payments trend and industry cliché she’d happily banish forever.Enjoyed the conversation? Keep learning with 15% off all MRC eLearning courses until 1 June using code: PAYMENTSHED15***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Jordan Lawrence, Co-Founder of Damisa, to unpack why traditional cross-border payments remain so inefficient — and why stablecoins could fundamentally reshape how global commerce moves money.Jordan shares the thinking behind launching Damisa, and where the biggest pain points still sit across correspondent banking, FX, settlement delays, and fragmented compliance. The conversation explores why these inefficiencies disproportionately impact e-commerce businesses and emerging markets, and how modern digital rails can unlock faster, more transparent movement of value.They also dive into the growing debate around trust in crypto versus fiat, separating speculative crypto narratives from the real-world use of stablecoin infrastructure in payments and treasury. From revenue-generating use cases to programmable liquidity, the discussion looks at where stablecoins are already delivering meaningful commercial value today.Looking ahead, the episode explores the rise of agentic commerce — where AI agents transact autonomously — and why stablecoins may become the native settlement layer for machine-to-machine payments and next-generation ecommerce.Plus, Jordan steps up for The Payments Shed’s legendary Shelf of Shame — calling out one myth in crypto and cross-border payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Sadra Hosseini, CEO of Ryft, unpacking the reality behind the growing hype surrounding agentic commerce.The conversation explores where AI-driven commerce is genuinely starting to emerge today, and where the industry may be getting ahead of itself. Sadra shares why behavioural shifts and workflow changes matter far more than headline hype, and why businesses should pay close attention to how product discovery and embedded commerce are evolving.They also discuss why discovery, not checkout, may currently be the most important battleground in agentic commerce, the growing importance of structured product data and inventory visibility, and what businesses should realistically be doing today to prepare for the next phase of AI-driven transactions.Plus, Sadra steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Sarah Gorton, Financial Services Lead at Protect Group, exploring how embedded protection products are beginning to reshape the economics of payments and commerce.Sarah explains how refund protection can move payments beyond pure infrastructure and into a genuine revenue and conversion driver for merchants. The discussion dives into the idea of the “triple win” in embedded finance, reducing booking anxiety for consumers, improving merchant margins, and creating better commercial outcomes across the transaction journey.They also explore the rise of BNPL risk, the concept of “ghost debt”, and how smarter embedded protection models could help both consumers and lenders manage financial uncertainty more effectively in the future.Plus, Sarah steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Marc O'Fathaigh, Country Manager for UK & Ireland at Klarna, exploring how consumer expectations around payments are rapidly evolving beyond traditional retail checkout.Marc shares why Klarna is expanding further into sectors like travel, services, and everyday spend, and why flexibility is becoming an expectation across far more than just high-ticket purchases. The discussion explores the growth of longer-term financing in the UK, the shift toward embedded payment experiences, and whether BNPL players are increasingly competing with — or complementing — traditional card products.They also unpack what this changing landscape means for merchants, platforms, and the broader payments ecosystem as consumers demand more choice, convenience, and control over how they pay.Plus, Marc steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Nanna Bergmann, Managing Director of Moonrise by Lunar, exploring the realities of cross-border payments, instant infrastructure, and machine-driven money movement.Nanna explains why many cross-border payment challenges are actually “last-mile” problems rather than correspondent banking issues, and where stablecoins still fall short in solving real-world localisation and banking infrastructure challenges today. The discussion also dives into whether existing payment rails are genuinely ready for AI agents and machine-driven commerce.They also unpack what “instant payments” really means in practice, why some providers still rely on batch processes behind the scenes, and why the Nordics remain far more fragmented across regulation, currencies, and payment methods than many fintechs initially assume.Plus, Nanna steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Michaela Weber, SVP of Payments at BigCommerce, exploring how commerce platforms, embedded payments, and AI are reshaping the merchant landscape.Michaela shares how payments are increasingly becoming part of the core commerce product rather than a bolt-on service, and why merchants are beginning to view payments as a strategic revenue driver instead of simply a cost centre. The discussion also explores how AI is starting to influence product discovery, customer journeys, and conversion across digital commerce.They also unpack the ongoing debate between open ecosystems and all-in-one platforms, why composability continues to gain momentum with enterprise merchants, and what makes B2B commerce fundamentally different from B2C when it comes to payments and customer experience.Plus, Michaela steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Sean Hederman, CTO at Zilch, exploring how payments data, loyalty, and AI are reshaping the future of embedded finance.Sean shares why transaction data is increasingly becoming one of the most valuable assets in financial services, and how first-party payments data can unlock more intelligent and personalised commerce experiences. The discussion also explores why traditional loyalty schemes often fail to create meaningful customer engagement, and how embedded rewards models are changing the relationship between merchants and consumers.They also discuss the realities of scaling payments infrastructure as a CTO, the importance of designing systems for future growth rather than current scale, and why trust and responsible AI design are becoming critical considerations for financial services businesses.Plus, Sean steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Recorded live on stage at FTT Embedded Finance & Super Apps, Grant Evans is joined by guest co-host Dwayne Gefferie for a live conversation with Ed Moore, CRO at Payrails, exploring why the next generation of payments infrastructure is moving beyond traditional platforms and orchestration.Ed explains the growing importance of the “payments execution layer”, and why merchants are increasingly demanding modular, open-stack infrastructure that gives them greater control over routing, optimisation, tokenisation, and the broader payments experience. The discussion dives into how orchestration is evolving, why merchants are pushing back against all-in-one providers, and what modern enterprise payments architecture increasingly looks like.They also explore where AI is genuinely delivering value in payments today, from smarter routing to automated chargeback management, and how product-led infrastructure models are beginning to reshape how enterprise payment technology is bought, implemented, and consumed.Plus, Ed steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, host Grant Evans is joined by Jake Dovey, CEO of PayModum, for a candid conversation on why so many merchants still feel underserved by the payments industry — despite more products, providers, and platforms than ever before.Jake shares his journey from working inside payments to building PayModum, and why he became convinced the industry was solving problems for itself rather than for merchants. The discussion dives into what merchants actually care about — from resilience and simplicity to transparency and control — and where PSPs and acquirers still consistently get it wrong.They also unpack the rise of payments orchestration, cutting through the buzzwords to explore what orchestration should actually do, where it genuinely adds value, and whether some providers are simply rebuilding old models with new labels.From regulation and licensing to merchant frustration, consolidation, and the future of infrastructure, this episode takes a brutally honest look at what’s fundamentally working — and what still isn’t — in modern payments.Plus, Jake steps up for The Payments Shed’s legendary Shelf of Shame — calling out one fintech buzzword and industry cliché he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Nikogiannis (John) Karantzis, Managing Director & CEO of ISX Financial, to unpack why global payments infrastructure still feels so fragmented — and what it takes to fix it.John shares his view on how the industry ended up with complex, stitched-together ecosystems, and the hidden cost this creates for merchants operating across borders. The conversation dives into why legacy systems, regulatory complexity, and disconnected providers continue to slow innovation — and why a more unified, end-to-end approach is needed.They explore the shift toward real-time payments as a baseline expectation, what “real-time” actually means in practice, and how it changes everything from treasury to customer experience. The discussion also tackles the uneven progress of open banking and A2A payments, what’s holding them back from mass adoption, and how they fit into a broader multi-rail strategy.Looking ahead, the episode turns to AI, embedded finance, and the next phase of payments evolution, including where real value is being created today — and where governance and risk still need to catch up.Plus, John steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Fiennes Davey, Group Head of Payments at Kingfisher plc, to explore what payments really looks like from the merchant side of the table in 2026.Fiennes brings a rare perspective — having worked inside a global acquirer before moving into a major retailer — and shares why payments is finally getting the strategic attention it deserves at enterprise level. The conversation dives into what good looks like when payments is treated as a core function, and where things still break down between merchants and PSPs.They unpack the real implications of PSD3 and the potential loss of the Commercial Agent Exemption, why many marketplaces may be underprepared, and how merchants should be thinking about regulatory risk today. The discussion also challenges the industry’s growing reliance on open banking, exploring where it genuinely delivers value — and where it still falls short.From scheme dominance and fee pressure to the overlooked impact of commercial card interchange, this episode cuts through the noise to focus on what actually matters for merchants trying to build resilient, future-proof payments strategies.Plus, Fiennes steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Tim Hughes, CEO & Co-Founder of DLA Ignite and author of Social Selling: Techniques to Influence Buyers and Changemakers, to unpack what’s actually working in social selling and thought leadership in 2026 — and what needs to be left behind.Tim breaks down why, despite years of hype, social selling is more relevant than ever, driven by shifting buyer behaviour and the growing importance of trust before a sales conversation even begins. The discussion dives into how LinkedIn has evolved, what the algorithm really rewards today, and why most people still get the fundamentals wrong.They also explore why financial services continues to lag, how organisations can balance compliance with authentic content, and why the biggest missed opportunity sits with the C-suite not showing up publicly. From practical do’s and don’ts to the habits that separate those who win from those who give up, this episode is a clear guide to turning content into a real commercial lever.Plus, Tim steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in sales and LinkedIn culture he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Oliver Pugh, Co-Founder of yetipay, to unpack how embedded payments are reshaping the economics of hospitality — and what it really takes to scale fast in the process.Oliver shares the journey behind yetipay’s rapid growth from £400k to £5m revenue in just 18 months, and why the biggest unlock wasn’t just product — it was rethinking who owns the merchant relationship. The conversation dives into what “embedded payments” actually means in practice, and why the traditional POS-to-PSP handoff model is still holding platforms back.They explore how white-label payments and platform ownership are shifting power toward vertical SaaS players, and why hospitality — with its speed, complexity, and customer expectations — is the perfect proving ground for this model.Looking ahead, the discussion turns to how data, automation, and deeper platform integration will define the next phase of embedded finance, and where the biggest opportunities still sit for operators and providers alike.Plus, Oliver steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, host Grant Evans is joined by Boris Diakonov and Eduard Panteleev, Co-Founders & Co-CEOs of ANNA Money, for a deep dive into how AI, automation, and regulation are reshaping small business finance.Boris and Eduard share their journey building together — from early ventures in digital banking to launching ANNA — and why they believe a co-CEO model can be a strength, not a compromise. The conversation explores their customer-first philosophy, and why they’ve always focused on solving real problems rather than chasing the “fintech” label.They dive into ANNA’s early bet on being “robot-ready”, how automation now handles a significant portion of tax workflows, and what it takes to balance speed, scale, and trust in AI-led financial services. The episode also unpacks the impact of Making Tax Digital (MTD), ANNA’s bold move to offer free filing, and whether regulation is a burden or a catalyst for innovation.From navigating the Wirecard crisis to scaling toward a £100m+ business, the discussion offers candid insight into leadership, transparency, and building a platform small businesses can rely on.Plus, Boris and Eduard step up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in fintech they’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Mark Fairless, Group CEO of ClearBank, to explore how modern banking infrastructure is evolving to support the next generation of fintech and digital money.Mark shares ClearBank’s journey from building cloud-native banking rails to becoming a critical infrastructure provider powering fintech growth, and how real-time capabilities are reshaping the digital economy. The conversation dives into the rise of embedded banking, what great infrastructure looks like in practice, and how fintechs can scale while staying compliant in an increasingly complex environment.They also unpack the headline partnership between ClearBank and Circle, exploring what it means for USDC, on/off ramps, liquidity, and cross-border payments — and whether this signals a new era of collaboration between banks and digital asset players.Looking ahead, the discussion turns to regulation, global fintech competition, and how policymakers can support innovation without compromising trust.Plus, Mark steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Spencer Levitt, Co-Founder, and Kara Parkey, Head of Strategic Accounts at Coast, to tackle one of fintech’s most overlooked problems — why selling complex products is still so broken.From slow, inconsistent demos to disconnected handoffs between sales, product, and implementation teams, the conversation unpacks how product demos have quietly become a major bottleneck to growth. Spencer and Kara share why incremental fixes haven’t worked, and why the problem is especially acute in fintech, where APIs, compliance, and edge cases make storytelling harder.They dive into how AI-powered, self-serve demos are changing the buying journey — enabling faster proof-of-value, more consistent experiences, and shorter sales cycles. The episode also explores the realities of building an AI platform that sits close to revenue, and what it takes to earn trust with technical buyers.Looking ahead, the discussion turns to how demos could evolve from a friction point into a true growth lever for modern SaaS and fintech businesses.Plus, Spencer and Kara take on The Payments Shed’s legendary Shelf of Shame — calling out what they’d banish forever from sales and product demos.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Nadja Bennett, Strategic Accounts Director, and Megan Coulson, UK Public Policy Lead at TrueLayer, to unpack how regulation, innovation, and commercial reality are finally converging in UK payments.The conversation dives into the original intent behind open banking, what policymakers got right (and wrong), and how the UK has become a global testing ground for Pay by Bank and Variable Recurring Payments (VRPs). From behind-the-scenes regulatory frameworks to real merchant use cases, Nadja and Megan break down what’s actually driving adoption — and what’s still holding it back.They explore where VRPs outperform cards, why merchant incentives matter more than ever, and whether Pay by Bank can truly move from alternative to default payment method. The episode also looks ahead to PSD3, instant payments, and evolving liability models, and what they mean for the next phase of growth.Plus, Nadja and Megan step up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments they’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Omar Ebeid, Founder & CEO of Zeal, to challenge one of the biggest structural issues in payments — the ISO race to the bottom.Omar breaks down how the industry became trapped in price-led competition, and why many ISOs struggle to differentiate beyond rates, terminals, and basic service. The conversation explores the hidden cost of this model — from margin pressure to merchant churn — and why it’s no longer sustainable.They dive into how loyalty can flip the commercial model, turning payments from a cost centre into a growth and engagement platform. From recognising customers directly at the card machine to unlocking deeper merchant relationships and data insights, the discussion shows how value-added services can create real competitive advantage.Looking ahead, the episode explores how ISOs could evolve — shifting from volume-driven businesses to platforms built on engagement, data, and long-term merchant stickiness.Plus, Omar takes on The Payments Shed’s legendary Shelf of Shame — nominating one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Justin Hanna chats with David Jofre Tejada, VP of Business Development at Shift4, to unpack how one of payments’ fastest-scaling players is building a truly global platform.David shares what’s driving Shift4’s rapid expansion across Europe and beyond, and why merchants entering new markets are demanding more than just payments — they want integrated, end-to-end commerce solutions. The conversation dives into how strategic acquisitions are helping Shift4 evolve from a processor into a unified ecosystem, and what that means for merchant experience and scalability.They also explore the role of crypto and stablecoins in commerce, where real demand is emerging, and what still needs to happen before these rails go fully mainstream.Plus, David steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

In this episode, hosts Grant Evans and Justin Hanna are joined by Dan Owens, Chief Strategy Officer at Oceanpayment, to explore what happens when Western fintech meets the scale and speed of the APAC payments ecosystem.Dan shares his journey from the European fintech scene to Hong Kong, reflecting on the cultural, commercial, and regulatory differences between East and West. The conversation dives into how fintech is often framed as disruption in the West but infrastructure in China, and why that shift in mindset changes everything from product design to market strategy.Grant, Justin, and Dan also unpack the realities of selling fintech across cultures — from relationship-led partnerships in Asia to data-driven ROI conversations in Western markets. They explore the role of super-app ecosystems, cross-border acquiring models, and how companies like Oceanpayment help global merchants navigate complex regulatory and cultural landscapes.Looking ahead, the episode reflects on what Western fintechs can learn from the speed, scale, and API-first thinking emerging from Asia — and how the next phase of global payments innovation will likely be shaped by both worlds.Plus, Dan steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in fintech or payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Justin Hanna is joined by Jacob Spencer, CRO at BR-DGE, to break down why payments orchestration is becoming a core part of modern merchant infrastructure.Jacob unpacks the real problem orchestration solves — from fragmented payment stacks to limited visibility — and why more merchants are turning to orchestration to gain control, flexibility, and performance across their payment operations.The conversation explores how centralising payments data unlocks deeper insights, improves acceptance rates, reduces costs, and enables smarter routing and optimisation strategies. They also discuss how orchestration helps merchants build resilience and future-proof their infrastructure in an increasingly complex global payments landscape.Plus, Jacob steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Justin Hanna is joined by Alexandre Fernandes Ribeiro, Global Payments & Orchestration Leader at Solidgate, to explore why payment orchestration is no longer just infrastructure — it’s becoming a core commercial strategy for enterprise merchants.Alexandre breaks down how orchestration helps merchants move away from PSP lock-in, regain control over pricing and performance, and create real competition across providers. The conversation dives into the hidden cost of payments — from margin leakage to false declines — and why improving acceptance rates by even a few percentage points can have a massive commercial impact.They also explore how smart routing, cascading, and unified reporting are giving CFOs greater visibility and control, while enabling faster international expansion without adding technical debt.Plus, Alexandre steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Grant Evans sits down with Robert Kraal, Co-Founder of Silverflow, to explore why card processing modernisation has become one of the most urgent priorities in payments today.Robert shares why traditional banks are increasingly turning to fintech partners rather than building in-house — and what’s really driving that shift, from speed and talent to long-term relevance in acquiring. The conversation dives into what’s broken in legacy processing infrastructure, and how cloud-native, API-first platforms are unlocking a new level of agility for issuers and acquirers alike.They also unpack what a real bank–fintech partnership actually looks like in practice — from first conversations through to go-live — and where these transformations typically slow down.Plus, Robert steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Grant Evans chats with Duygu Inanc Koyunpınar, Head of Product at DIMOCO, to explore how Open Banking has shifted from concept to core checkout infrastructure across Europe.Duygu shares why early challenges like fragmentation, UX friction, and trust barriers held back adoption — and what’s changed to drive real momentum today. The conversation dives into why DIMOCO chose to obtain its own licence, how regulation like PSD3 and PSR could unlock scale, and why Open Banking is increasingly being treated as infrastructure rather than innovation.They also unpack the role of UX and trust as the true drivers of adoption, how A2A is showing up inside wallets, and what Europe’s broader push for payments sovereignty means in practice. Plus, with major merchants like Amazon entering the space, the discussion turns to what happens next — and who follows.Plus, Duygu steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Justin Hanna is joined by Fabian Mansfeld, Chief Acceptance Strategy Officer at the European Payments Initiative, to unpack the rapid progress of Wero and what it means for the future of payments in Europe.Fabian shares how Wero has scaled to tens of millions of connected consumers through bank participation, and why that level of coordination is critical to building a truly European alternative in payments. The conversation dives into what payment sovereignty actually means in practice, and how Europe is positioning itself alongside global card networks and digital wallets.They also explore the next phase of rollout — from merchant acceptance and e-commerce deployment to early market adoption and vertical traction — and what needs to happen for Wero to become a mainstream payment method.Plus, Fabian steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Grant Evans sits down with Gideon Fourie, General Manager EU at Token, to unpack where Open Banking and account-to-account payments are really heading in Europe.Gideon shares his perspective on why Open Banking had a slower-than-expected start under PSD2, and what’s now changing to drive renewed momentum — from commercial models and user experience improvements to emerging frameworks like VRPs.The conversation explores the broader European landscape, including Wero, the Digital Euro, and the growing focus on payment sovereignty, and what these shifts mean for merchants, banks, and payment providers alike.They also dive into what still needs to happen for A2A payments to go truly mainstream — from wallet integration to standardisation and incentives — and where the biggest blockers remain today.Plus, Gideon steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Grant Evans chats with Robert Bueninck, CEO at Unzer, to explore how merchants are moving from fragmented payment stacks to fully integrated commerce platforms.Robert shares how Unzer is rethinking the role of a payments provider — not just as a processor, but as a financial partner helping merchants simplify operations, unlock liquidity, and compete more effectively. The conversation dives into why SMEs still struggle to access enterprise-grade tools, and how embedded financial services are beginning to level the playing field.They also unpack the role of data, AI, and agentic commerce, and where these innovations are actually delivering value today versus where the hype still outweighs reality.Plus, Robert steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.

Live from MPE Berlin, host Grant Evans is joined by Elaine Smith, SVP Commercial at Volt, to explore the next phase of real-time payments and Pay by Bank adoption.Elaine shares her perspective on stepping into a senior commercial leadership role, and what it really takes to scale new payment infrastructure beyond hype into commercial reality. The conversation dives into why Pay by Bank is finally gaining traction with enterprises, what large merchants actually need to deploy it at scale, and why enterprise validation is a critical unlock for wider adoption.They also explore how real-time payments are evolving into a broader financial infrastructure layer, from account-to-account payments to emerging use cases — and where technologies like stablecoins may fit into the ecosystem.Plus, Elaine steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.