The Payments Shed Podcast

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.

Live from MPE Berlin, host Grant Evans is joined by Alex Dorobantu, Head of Payment Ecosystem at Payrails, to explore why enterprises need to rethink payments as core financial infrastructure — not just transaction processing.Alex breaks down the hidden challenges global merchants face — from margin leakage across multi-PSP environments to the reality that many businesses still can’t confidently answer what they’re actually paying. The conversation dives into why reconciliation remains fragmented, and how building a single source of truth directly into the payments layer can transform finance operations.They also explore how rethinking chargebacks as a product and workflow problem — rather than a cost centre — can unlock efficiency, reduce risk, and improve performance across the entire payments stack.Plus, Alex steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments that needs to change.***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 sit down with Oliver Smith, Head of Content for Europe at Money20/20, to explore how the conversations shaping fintech actually get decided.Oliver shares a behind-the-scenes look at how one of the industry’s most influential events curates its agenda — from balancing hype versus substance to choosing the founders, banks, and innovators who take the main stage. The discussion explores how the tone of fintech has evolved since the funding boom, whether the industry has genuinely matured, and which sectors are currently driving the European ecosystem.Grant, Justin, and Oliver also unpack the real power dynamics behind fintech narratives — from infrastructure versus consumer fintech, to the role conferences now play as year-round community platforms rather than just three-day events.Looking ahead, the conversation turns to the next wave of financial innovation, including AI, the rise of Agentic Finance, and why Europe may have a strategic advantage as autonomous financial systems begin to emerge.Plus, Oliver steps up for The Payments Shed’s legendary Shelf of Shame — nominating one fintech buzzword 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 Neira Jones, Payments Advisor & MPE Ambassador, and Stanley Skoglund, MPE Ambassador for a behind-the-scenes look at the MPE Awards judging process.They unpack how winners are selected, what judges are really looking for, and how the awards reflect — and sometimes challenge — the direction of the merchant payments ecosystem. From shifting submission trends to standout innovations, the conversation reveals what’s actually moving the needle across payments today.Grant, Neira, and Stanley also explore the key themes emerging from this year’s entries, what surprised the judging panel most, and what companies need to think about if they want to stand out in future editions.Plus, both guests step up for The Payments Shed’s legendary Shelf of Shame — calling out what frustrates them most in payments today.***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 catches up with Lincoln Dundas, VP of Partnerships & Enablement at Optty, for a fast-paced discussion on the evolving global payments landscape.Lincoln breaks down the growing fragmentation of payment methods, why “Alternative Payments” are no longer alternative, and how Specialised Payment Methods (SPMs) are becoming essential for merchants looking to scale globally.The conversation also explores the next wave of innovation — from AI-driven commerce and agentic payments to the role of wallets, crypto, and infrastructure in enabling seamless global checkout experiences.Plus, Lincoln steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments that needs to go.***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 Eric Queatham, Founder & CEO of Velocity, to unpack the journey from corporate payments leader to startup founder — and what it really takes to build something new in a fast-moving industry.Eric shares the story behind leaving a major organisation like Worldpay to launch Velocity, including the realities of founding a company, raising capital, and building a team from scratch. The conversation dives into the highs and lows of the founder journey — from tough early decisions to assembling the right partners and culture.They also explore the growing buzz around stablecoins, separating hype from reality and discussing who the real customers are for stablecoin infrastructure. Eric explains the problem Velocity is solving, why compliance and education are critical to adoption, and how the payments ecosystem may evolve as new financial rails emerge.Looking ahead, the group reflects on where payments innovation is heading — from the role of AI in financial infrastructure to what founders and incumbents should be thinking about next.Plus, Eric takes on The Payments Shed’s legendary Shelf of Shame — nominating one thing in payments or fintech 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 Georgios Kolovos, Payments and Fintech Leader at NVIDIA, to explore how AI infrastructure, foundation models, and connected intelligence are reshaping financial services.Georgios shares insights from the evolving AI ecosystem — from the role of core-stack innovators like NVIDIA to how financial institutions are beginning to rethink their technology stacks for the age of payments intelligence. The conversation unpacks what Payments Foundation Models actually are, why organisations are shifting from siloed transaction data toward connected intelligence, and how early examples from players like Revolut and Adyen hint at what’s coming next.They also dive into agentic commerce, sovereign AI architectures, and the governance challenges of high-risk AI, including what the EU AI Act means for financial institutions trying to innovate responsibly.Looking ahead, the discussion explores whether financial services are moving toward autonomous decision-making systems, the importance of open models, and what the payments ecosystem could look like five years from now.Plus, Georgios takes on The Payments Shed’s legendary Shelf of Shame — nominating something from fintech 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 sit down with Luke Barry & Gary Burns, co-founders of payments and fintech talent acquisition agency How Ya Doing, to explore how hiring in payments and fintech needs a serious rethink.Luke and Gary share their experiences from working in payments to focusing on people in the industry — explaining why firsthand experience in the commercial and recruitment world on the payments side gives them a different perspective on talent. The conversation unpacks what’s broken in recruitment today — from ghosting and slow processes to poor candidate experience — and how both employers and job seekers can raise their game.They dive into practical advice for candidates navigating the fintech job market, the growing importance of personal brand, and where employers are losing top talent without realising it. The episode also looks ahead to the future of hiring — AI, hybrid work, skills-based recruitment — and how to keep the human element alive in a digital-first world.Plus, Luke and Gary step up for The Payments Shed’s legendary Shelf of Shame — nominating one payments and fintech 'ick' they would 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 Will Plummer, CEO of Trust My Group & Repayd, to unpack the realities of travel payments, risk, and the Merchant of Record (MOR) model.Will shares the philosophy behind his business — why choosing the MOR route over the PayFac model changes the dynamic between merchants, acquirers, and brokers, and how it reframes travel from “high-risk” to high-opportunity when managed correctly.The conversation dives into why travel has historically been labelled risky — long settlement cycles, cancellations, chargebacks — and how a data-obsessed approach to underwriting, monitoring, and transparency can transform those perceptions. They explore how better data creates stronger alignment between merchants and acquirers, improves pricing, and builds long-term trust in complex verticals.Looking ahead, the episode examines the evolution of travel payments, embedded models, and where the MOR approach could expand next.Plus, Will 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 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 Lindsey Lindsay, Chief Marketing Officer at Snap Finance UK, for a deep dive into the evolution of credit, embedded finance, and Buy Now Pay Later.Lindsey shares her journey across consumer finance and fintech, reflecting on how attitudes toward borrowing, affordability, and transparency have shifted over the past decade. The conversation explores the rise of point-of-sale finance, the differences between interest-bearing models and zero-interest BNPL, and how embedded credit can drive long-term loyalty — not just short-term conversion.They also unpack how regulation is reshaping innovation, why trust matters more than ever in consumer finance, and what the next 3–5 years could hold for underwriting, AI-driven risk models, and the future of invisible finance.Plus, Lindsey steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in credit, BNPL or business 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.

In this episode, hosts Grant Evans and Justin Hanna sit down with Vishal Dalal, Global CEO of Pismo, to unpack one of the biggest infrastructure stories in modern payments — Pismo’s acquisition by VISA. Vishal shares his leadership journey and reflects on what prepared him to lead Pismo through its next chapter. The conversation explores what cloud-native and API-first really mean in practice, why legacy processors struggled to keep up, and how Pismo positioned itself as a modern issuing and core platform built for scale.They dive deep into the strategic rationale behind the Visa deal — what it signals for the future of payments infrastructure, how innovation continues inside a global network, and what changes (and what doesn’t) after an acquisition of this scale.Looking ahead, the episode examines the evolution of issuing, real-time processing, and core modernisation — and where Pismo fits as banks and fintechs move away from legacy stacks.Plus, Vishal takes on The Payments Shed’s legendary Shelf of Shame — nominating something from the business world 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 Peter Stuart, Chief Operating Officer at Easipay, part of the Redwood Technologies Group, to explore how simplicity, trust, and reliability are built into modern payment solutions.Peter shares his journey across technology and operations, and how Easipay has evolved from deep telecom and cloud infrastructure roots to deliver payments that just work for merchants, partners, and end users. The conversation unpacks the role of infrastructure in scaling secure, transparent payment experiences — without adding friction.They also dive into the changing role of brokers and acquirers, the impact of recent Payment Systems Regulator (PSR) changes, and what greater transparency means for pricing, contracts, and long-term merchant relationships.🪑 Plus, Peter steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in payments or fintech 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 Warren Whitfield, Founder & CEO of MWBS, to unpack what’s broken in merchant services — and how the channel model needs to evolve.Warren shares his journey from sales into entrepreneurship, explaining the moment he realised the market had become too crowded, too confusing, and too focused on acquirer-first models. The conversation explores what merchant-first really means in practice, and why transparency, choice, and better partnerships matter more than ever.They dive into the reseller and multi-acquirer model, the role of technology in improving the post-sale merchant experience, and how MWBS is using in-house platforms and data to give merchants more visibility and control. The episode also looks ahead to the future of merchant services — from embedded payments to platformisation — and how Modern World Business Solutions £9m growth fund fits into that vision.🪑 Plus, Warren steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in merchant services 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 Dwayne Gefferie, Founder of Gefferie and a leading voice in the payments industry, for a wide-ranging conversation on AI, data, and entrepreneurship — and how they intersect to create real competitive advantage.Dwayne shares his journey as a founder, reflecting on the challenges, hard decisions, and resilience required to build and scale businesses in fast-moving, data-driven markets. The discussion explores where AI is already delivering impact in fintech and payments, why so many organisations still underutilise their data, and where the next wave of AI-led disruption is likely to emerge.They also cut through the hype versus reality of AI, unpacking ethical considerations, regulatory pace, and whether AI represents a threat to jobs or a powerful enabler for innovation.Plus, Dwayne steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in fintech, AI, or business he’d happily banish forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***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 Lou Murray, Chief Sales Officer at Railsr and Equals Money, for a deep dive into the growing role of Electronic Money Institutions (EMIs) in the platform economy.Lou shares her journey across payments and sales leadership, before unpacking why EMIs are becoming critical enablers of marketplaces, platform ecosystems, and embedded finance models. The conversation explores how EMIs complement traditional banks, where they add the most value, and why infrastructure matters more than ever as money movement becomes increasingly embedded.They also discuss the Railsr and Equals Money merger, what it unlocks for customers, and how the combined business is positioning itself for the next phase of growth.Plus, Lou takes on The Payments Shed’s legendary Shelf of Shame — nominating one thing in fintech she’d happily banish forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***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 Nick Dobson, Founder & CEO of Unetix, to explore how businesses can turn payment chaos into clarity — and data into a real growth lever.Nick shares his journey from payments and data operations to founding Unetix, unpacking why so much of the industry still focuses on the front end of payments, while the real problems — reconciliation, data fragmentation, compliance, and cost leakage — sit firmly in the back office.The conversation dives into Payments Lifecycle Intelligence, the idea of a “Chief Payments Officer who never sleeps”, and how AI can move payments teams beyond reporting dashboards to actionable intelligence that improves authorisation rates, reduces cost, and strengthens compliance.They also discuss how payments operations are evolving, why data visibility is becoming a competitive advantage, and where platforms like Unetix fit into the future payments stack.Plus, Nick steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in payments, fintech or business he’d happily banish forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠⁠⁠⁠⁠***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 Sara Savidge, CEO at Fexco International Payments, for a wide-ranging conversation on payments strategy, leadership, and diversity.Sara shares her career journey from global banking to CEO, reflecting on the moments and mentors that shaped her leadership style and what truly changes when you step into the top role. The discussion explores the direction of change in payments, the forces driving transformation, and where the biggest opportunities — and challenges — lie ahead.The episode also dives into what makes a great leader in business today, how to build trust and motivate teams, and why diversity, equity, and inclusion must move from intent to action across the fintech industry. Plus, Sara takes on The Payments Shed’s legendary Shelf of Shame — nominating one thing in payments or business she’d happily banish forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠⁠⁠⁠***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 Rafii, CEO & Co-Founder of Krowd, and Jonny Fox, Partnerships Director of Krowd, to explore how loyalty is being reimagined at the intersection of fintech, payments, and hospitality.The conversation traces Krowd’s origin story, the challenges of modernising loyalty in financial services, and why traditional rewards programs are increasingly failing to reflect real customer behaviour. Omar and Jonny unpack how partnerships between banks, fintechs, and merchants are unlocking new models for engagement and growth.The episode also introduces Krowd’s latest product launch — Dynamik Rewards & Loyalty — an industry-first platform that enables real-time, frictionless rewards at the point of payment, delivering richer data for merchants and more seamless experiences for consumers.Looking ahead, the group discusses where loyalty is heading next, how embedded finance is reshaping customer engagement, and what financial institutions must do to move beyond outdated reward structures.Plus, Omar and Jonny step up for The Payments Shed’s legendary Shelf of Shame — to nominate what they’d banish forever from fintech, payments, or business.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠⁠⁠***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 sit down with Steffen Vollert, CEO of Volt, for a deep dive into the future of real-time payments and the rapidly converging worlds of fiat and crypto.Steffen walks the hosts through the current state of real-time payment rails around the world — and why, despite progress, global merchants still face major friction when moving money across borders. From marketplace payouts to international freelancer networks, he breaks down the real operational challenges enterprise merchants face with fees, FX, fragmentation and compliance.Grant, Justin and Steffen explore where traditional fiat rails fall short, and how stablecoins are emerging as a powerful complement — not a replacement — to existing infrastructure. They discuss how stablecoins could redefine what “real-time” truly means, the role they may play in liquidity and treasury, and why a hybrid model of fiat and crypto rails is becoming increasingly compelling for global merchants.The conversation then turns to Volt’s perspective. Steffen shares how Volt is responding to these macro shifts, the products and innovations supporting merchants today, and why the company is leaning into a future where real-time means something far more universal, reliable and borderless than what exists today.Finally, Steffen joins the hosts for The Payments Shed’s legendary Shelf of Shame to nominate something he’s ready to banish from the payments industry once and for all.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠⁠***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 sit down with Leda Glyptis — founder, author and one of fintech’s most distinctive and outspoken voices — for a wide-ranging conversation on the state of banking, the rise of challengers and the power of ideas to reshape an industry.Leda takes the hosts through her journey from senior leadership roles inside major banks to becoming a global commentator on transformation, culture and what truly holds incumbents back. She unpacks the lessons learned from life inside big institutions, the moment she realised she needed to challenge the status quo, and the experiences that shaped her perspective on what real change looks like.Grant, Justin and Leda dive into the challenger bank revolution, exploring where Starling, Monzo, Revolut and others have genuinely shifted the competitive landscape — and whether legacy banks are actually capable of catching up. They discuss the strengths incumbents still possess, the cultural blockers that slow innovation, and the single biggest thing a big bank must do if it wants to compete.The conversation also turns to Leda’s work as an author and thinker. She shares what pushed her to write her two books to date: Beyond Resilience & Bankers Like Us, how writing became a way to challenge industry narratives, and the surprising reactions she’s received along the way.Finally, the group looks ahead at what the next decade holds for banking — from regulation and convergence to customer trust and the future role of technology — before Leda steps up to The Payments Shed’s infamous Shelf of Shame to banish something from the industry for good.Content Warning: This episode includes a brief reference to suicide which some listeners/viewers may find distressing. If you or someone you know is struggling, support is available.In the UK: You can contact Samaritans anytime on 116 123 or visit samaritans.org for confidential support.In the US: You can call or text 988 for the Suicide & Crisis Lifeline, or visit 988lifeline.org.International: You can find crisis helplines worldwide at iasp.info/resources/Crisis_Centres.You’re not alone, and help is always available.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠⁠***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 sit down with Marie Walker, Global Ambassador at Raidiam and co-founder of Open Future World, to unpack the accelerating evolution of open finance and the emerging wave of open data ecosystems.Marie shares her journey from ecosystem builder to one of the most recognised voices in global open finance, breaking down how markets are progressing, why account-to-account payments are finally gaining momentum, and where open banking is meaningfully impacting financial inclusion.Grant, Justin and Marie dive into the critical role of standards, the tension between regulatory direction and industry innovation, and the risks of fragmentation if global alignment doesn’t keep pace. They also look beyond financial services to explore how open data could reshape sectors like healthcare, utilities and telecoms — and what needs to happen before consumers fully embrace an open data economy.Plus, Marie joins the hosts for The Payments Shed’s legendary Shelf of Shame to banish something from the fintech universe once and for all.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠⁠https://tami.ai/⁠⁠⁠⁠***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 sit down with Alexander (Xander) Hastings, Head of Channel Partnerships at Rail, to explore how Rail is redefining cross-border payments by bridging the gap between traditional banking infrastructure and stablecoin networks.With Rail powering roughly 10% of all global B2B stablecoin payments — about $3.6B annually — the conversation unpacks how the company is building the connective tissue for a more reliable, transparent, and compliant global payments ecosystem.Grant, Justin, and Xander dive into the evolution of stablecoins as payment rails (not speculative assets), the importance of multi-bank redundancy, and how hybrid infrastructure is transforming the speed and efficiency of international money movement. They also discuss Ripple’s recent investment in Rail, what it means for corridor expansion, liquidity access, and the broader shift toward collaboration between established players and fintech innovators.Plus, Xander joins Grant and Justin for The Payments Shed’s legendary Shelf of Shame — to nominate something he’s ready to banish forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠⁠https://tami.ai/⁠⁠⁠***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.

On this episode of The Payments Shed Podcast, hosts Grant Evans and Justin Hanna sit down with Jack Mangnall, Co-Founder of Shape Technologies, to dive into one of the hottest topics in fintech — embedded payments — and explore why it’s become the biggest race in payments today.Jack shares how Shape Technologies is helping software providers unlock new revenue streams and deliver seamless payment experiences, and the trio break down what truly defines embedded payments, how they differ from traditional integrations, and why they’re transforming the way businesses approach monetisation and customer experience.Together, they explore which sectors and players are setting the standard for success, why so many ISVs are still sitting on the sidelines, and what’s separating the leading PSPs from those struggling to keep pace. The conversation also looks ahead to the future of embedded payments — from emerging innovations to the trends shaping the next phase of growth — and Jack reveals what Shape’s recent selection for the JPMorganChase Fintech Forward Programme means for their mission and momentum.And of course, no episode would be complete without a trip to the Shelf of Shame, where Jack nominates a payments or fintech gripe he’d gladly see banished forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠⁠https://tami.ai/⁠⁠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.

Beyond borders: Driving Wise’s growth in the Americas, with Lauren LangbridgeIn this special live episode from the MoneyPot stage at Money20/20 Las Vegas, hosts Grant Evans and Justin Hanna sit down with Lauren Langbridge, Commercial Director for the Americas at Wise Platform, to explore how Wise is building on its mission of money without borders across North and Latin America.Lauren shares her perspective on what it takes to compete and win in one of the world’s most complex and competitive fintech regions — from scaling strategic partnerships with global players like Morgan Stanley and Nubank, to navigating the regulatory and operational realities of cross-border growth.Together, they unpack:How Wise Platform is driving commercial success across the AmericasThe art of building trust and differentiation in competitive marketsHow partnerships and collaboration power global expansionThe regulatory and market challenges shaping the path aheadWhat the next chapter of Wise’s growth looks like in the region — and how success goes beyond revenueAnd of course, no episode of The Payments Shed would be complete without a trip to The Shelf of Shame, where Lauren nominates her pick for what belongs banished forever from the world of payments and fintech.***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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.

Ranjita Iyer on AI, Cybersecurity and Collective Resilience at MastercardRecorded live from The MoneyPot at Money20/20 USA, this special episode of The Payments Shed Podcast sees hosts Grant Evans and Justin Hanna sit down with Ranjita Iyer, EVP of Services for North America at Mastercard, for a deep dive into the evolving world of AI, cybersecurity, and collective resilience across the global payments landscape.Together, they explore:The Evolving Threat Landscape – how the cyber environment has shifted in recent years, the rise of sophisticated attacks, and what keeps leaders awake at night.Mastercard’s Cybersecurity Strategy & AI – how Mastercard secures a global payments ecosystem through a multi-layered defence model, and the crucial role AI and machine learning play in staying ahead of threats.Collective Resilience – why collaboration between banks, fintechs, governments, and merchants is essential to building a safer digital economy.The Road Ahead – Ranjita’s perspective on the future of cyber resilience and the single most important step organisations can take today to strengthen defences.And of course, Ranjita joins Grant and Justin for The Shelf of Shame, where she nominates something in tech and cybersecurity to banish forever.***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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.

On this episode of The Payments Shed Podcast, hosts Grant Evans and Justin Hanna sit down with James Neville, CEO and Founder of Yaspa, to unpack the evolving story of open banking — from its early ambitions to its next phase of innovation.Together, they explore:Building Yaspa – how James’s fintech journey shaped his vision for Yaspa, and the unique challenges of building a standout open banking platform.Visa’s Exit & Global Shifts – what Visa’s withdrawal from the US open banking market signals for the industry, and where specialist providers like Yaspa can seize opportunity.Leeds & the Northern Fintech Scene – why Yaspa chose to expand in Leeds, and how the North of England is fast emerging as a new fintech powerhouse.The Future of Open Banking – key opportunities and challenges for banks, fintechs, and regulators over the next 12–18 months.The Road Ahead for Yaspa – James’s vision for Yaspa’s growth, success, and role in shaping financial services for the next generation.And of course, no episode would be complete without The Shelf of Shame — where James nominates a fintech frustration he’d happily banish forever.***The Payments Shed Podcast is sponsored by TAMI AI.TAMI AI is the market intelligence and lead generation platform built for sales and marketing teams who want precision, not guesswork. TAMI helps businesses identify their best-fit prospects, gain deep market insights, and boost revenue growth, and it has become the go-to solution for the payments and fintech industries.⁠https://tami.ai/⁠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 Money20/20 Las Vegas, host Grant Evans chats with Brian Gilman, Chief Marketing Officer at ThetaRay, to explore how AI is transforming financial crime compliance for banks and fintechs worldwide.As regulators from FinCEN to FATF tighten expectations and criminals grow more sophisticated, Brian explains how ThetaRay’s AI-powered platform helps institutions detect complex threats, reduce false positives, and uncover crimes like human trafficking — including a recent success story with Santander Bank.They discuss the evolving AI compliance landscape, what’s next in ThetaRay’s innovation roadmap, and why modernisation is now mission-critical for risk and compliance teams.Plus, Brian joins Grant for The Payments Shed’s legendary Shelf of Shame — to nominate one thing he’d banish forever.

Live from Money20/20 Las Vegas, host Justin Hanna sits down with Riya Jagetia, Co-Founder of Socratix AI, to explore how autonomous AI coworkers are transforming the future of fraud and risk operations.Riya shares how Socratix’s explainable, auditable AI agents are taking on complex investigative work — boosting accuracy, transparency, and speed without disrupting existing workflows. They discuss the shift from decision-support tools to true AI teammates, delivering 3-day deployments, 3x ROI, and real operational lift for financial institutions.The conversation also covers Socratix AI’s recent $4.1M funding round, fuelling their mission to make AI coworkers a trusted part of every fraud team.Plus, Riya gives us her Shelf of Shame nominee! ***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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 Money20/20 Las Vegas, host Grant Evans sits down with David Dowhan, Chief Product Officer at SavvyMoney, to explore Gen Z’s relationship with money — and what it means for the next wave of fintech innovation.With 57% of consumers worried about the economy, just 14% feeling financially confident, and 32% asking for smarter budgeting tools, they unpack how fintechs can close the gap through education, personalisation, and trust.The conversation dives into the shift from point solutions to platform plays, how AI is powering real personalization, and the impact of SavvyMoney’s recent $225M growth round in driving smarter, connected financial experiences.Plus, we add another contender to The Payments Shed’s legendary Shelf of Shame — where bad payment and fintech ideas go to die.***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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 Walk & Talk episode from Money20/20 Las Vegas, host Grant Evans sits down with Rens Troost, Co-Founder & CTO of Rational Exponent, to explore how artificial intelligence is transforming the future of banking.From decision intelligence to regulatory transparency, Rens shares how AI is becoming business-critical for banks — driving smarter, safer decisions across the financial ecosystem. Together, they unpack what true trust in AI looks like, how institutions can balance automation with human judgment, and what’s next on the frontier of machine learning in finance.Plus, Rens joins The Shelf of Shame to nominate one overhyped AI concept he’d gladly see retired for good.***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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 live episode from Money20/20 Las Vegas, host Justin Hanna sits down with Jess Houlgrave, CEO of WalletConnect, to explore the next frontier of user experience and digital assets in fintech.With over $400B in transaction volume running through WalletConnect, Jess reveals what user behavior and adoption trends are telling us about where the industry is heading — and whether every bank and fintech really needs a stablecoin strategy.They discuss how intuitive UX has become the true competitive advantage in next-gen fintech, what’s driving wallet innovation globally, and how trust and accessibility are shaping the Web3 experience.Plus, Jess steps up for The Shelf of Shame to call out one concept she’d love to see retired.***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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.

VAMP in Motion — Live from Money20/20 USAIn this live episode from Money20/20 Las Vegas, host Justin Hanna sits down with Kiel Cook, Product Manager at IXOPAY, to discuss how the payments orchestration platform is tackling fraud and chargebacks with its new VAMP initiative.Three weeks into launch, Kiel shares how IXOPAY is partnering across the ecosystem to make merchant protection faster, smarter, and more global. They explore what success looks like for VAMP in the U.S. and abroad, how local markets are shaping adoption, and what trends are dominating the Money20/20 show floor.Plus, Kiel joins The Shelf of Shame to nominate one payments concept he’d gladly retire for good.***The Payments Shed Podcast Money 2020 interview series is sponsored by Oceanpayment.Oceanpayment is a global payment service provider enabling businesses to accept and manage payments across borders with speed, security, and reliability. Through a unified platform supporting hundreds of payment methods worldwide, Oceanpayment empowers merchants to expand globally, enhance checkout experiences, and build trust with customers everywhere.Learn more at https://www.oceanpayment.com/.***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.***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.