As the Divisional CEO of Interswitch Financial Inclusion Services Limited (IFIS), Titilola is on a mission to bridge financial gaps, empower entrepreneurs, and drive financial inclusion across Nigeria. In this episode, she takes us through her inspiring career journey, shares a powerful message on the importance of resilience, having a can-do spirit, and leading with purpose in the evolving payments landscape.

What happens when Gen Z doesn’t trust traditional lenders, and AI starts making credit decisions? In this episode, George Boot (Nomupay) sits down with Grant Evans (Nomupay) and Sam Goodacre (Lenvi) to unpack the radical changes in digital lending, AI adoption, and how Gen Z is reshaping the future of borrowing. From the rise of the “Bank of Mum & Dad” to embedded finance trends you can’t ignore in 2025. This is the conversation lenders didn’t know they needed, but absolutely do.

In this episode, we sit down with Justin Hanna (Head of Direct Sales) and Grant Evans (Head of Partnerships) to break down the hidden costs of FX fees in merchant acquiring, the impact of transaction acceptance rates, and why education is the real game-changer in payments.We also dive into the rise of QR codes in restaurants, the shift away from a race-to-the-bottom on pricing, and what the future of payments platforms could look like. It’s a no-fluff conversation on what merchants need to know to stay ahead.

The payments industry is evolving fast, prop firms are on the rise, AI is reshaping transactions, and cross-border payments are more complex than ever. Judith and George share insights on the trends driving change, the power of data in payments, and why strong relationships still matter in sales. If you’re in fintech, this is a conversation you don’t want to miss.

Ever wondered why payments get so complicated as businesses grow? In this episode, and from chat about the messy world of payouts, why platforms outgrow solutions, the hidden costs that kill margins, and how local partnerships make all the difference.

Open banking puts individuals in control of their data - deciding who can access it, for what purpose, and for how long. Instead of data being locked away or shared without consent, users can choose to use, trade, or protect it on their terms. In this episode, Eyal speaks with fintech leader Ghela Boskovich, Head of FData Europe and founder of FemTech Global, about how open banking enables people to benefit economically from their own data. They discuss the building blocks of this new data economy, how different countries are approaching it, and what a fairer digital future could look like.

Open banking is built on the idea that giving consumers full transparency and control over their data will help them make better decisions. But is that really the case? Behavioral economics suggests otherwise - people don’t always act rationally, even with the right tools. In this episode, Eyal speaks with renowned behavioral economist Dan Ariely to explore how insights into human behavior can improve open banking. They discuss the roots of behavioral economics, the role of paternalism, and how concepts like friction and motivation can help create financial services that truly benefit users.

Imagine a world where financial services are no longer separate, daunting entities but seamlessly integrated into the digital experiences you know and love. A world where buying a car, booking a trip, or even grabbing a coffee means having instant access to personalized financing options, secure payments, and innovative insurance solutions. This is Embedded Finance: an omnipresent, invisible hand guiding your financial decisions with unprecedented ease and intelligence, so that financial services are always there when you need them, and fade into the background when you don’t. In this episode, Eyal sits down with Simon Torrance, CEO and Founder of Embedded Finance & Insurance Strategies, to discuss how open banking, paired with real-time payments and agentic A.I., will help fill the gap between financial needs and financial services.

What defines the value of a thing? Is it a question of utility, aesthetics, rarity, emotional connection, or a combination of all these aspects? When it comes to digital assets, this question becomes even more complex, as evidenced by the rise and subsequent fall of NFTs. Beyond just digital, The continued evolution of Web3 and DeFi has now set the physical world and the digital world on a collision course, changing perceptions of ownership, trade and value. To dig deeper into the philosophical question of digital value and its impact on the physical world, Eyal turns to Bianca Lopes, economist, serial entrepreneur, and international speaker on the subjects of data, identity, fintech and crypto.

Come along with us as we work through the challenges of the financial world alongside Viktoria Soltesz, author and 2023 Businesswoman of the Year. Viktoria’s storied transition from a Cyprus accountant to a payment processing guru forms the crux of our enlightening dialogue, highlighting her seminal work, “Moving Money: How Banks Think.” Her expertise illuminates the inner details of compliance, the challenges faced by high-risk clients, and the pivotal role of law, accounting, and technology in the dynamic payment industry.

If you’re a merchant and you want help with chargebacks, this episode is for you! Friendly fraud is anything but friendly for merchants. In this eye-opening discussion, expert payments attorneys Larry Haines and Bryce Van De Moere expose the growing epidemic of customers who receive goods or services, then fraudulently dispute legitimate charges with their credit card companies.  It’s chargebacks, baby – and they’re a growing problem.

The payment processing industry harbors a troubling secret: merchants are being placed on MasterCard’s Match List for simply possessing inventory of newly prohibited products—even when they’ve never processed a payment for these items. This enforcement approach contradicts the very purpose of Match, which was designed to punish actual payment processing violations, not potential ones. During this eye-opening conversation with Chris Dryden, Bryce Van De Moere, and Jeremy Stock, our payments experts reveal how merchants who immediately comply with bank requests to remove prohibited products are still being matched weeks later without justification.

Many merchants are completely unaware of the hidden traps in their processing agreements. The podcast unveils the often one-sided nature of merchant agreements and discusses essential strategies for protecting against unfair practices in the industry.Join in this lively discussion between attorneys Christopher Dryden and Bryce Van De Moere of Global Legal Law Firm.

Michael emphasizes the need to engage all relevant stakeholders early in the process to avoid friction and ensure a smooth integration. We also explore the evolving environment of e-commerce payments, the role of AI in certification processes, and the critical metrics for monitoring performance post-launch. The integration can go wrong for so many reasons. This is why in this episode we discuss the importance of pre-mortems, best practices, setting clear expectations, and establishing robust communication channels. 

In this episode, we sit down with Philip Pages, CEO of Redux Payments, to explore the issue of involuntary churn in subscription-based businesses. Why churn is a critical problem, the difference between voluntary and involuntary churn, and the need for intelligent retry logic to reduce churn rates. We dive into various retry strategies, the impact of new technologies like network tokens, and other methods to optimize payment recoveries. Additionally, Philip shares practical advice for merchants to improve their payments performance and underlines the significance of focusing on involuntary churn for exponential business growth.

In this episode of Payments.FM, Joshua Silver, the CEO of Rainforest, goes right into the challenges of payment integration models for software platforms. We discuss the two primary models: the integrated referral model and the embedded payments model. Joshua highlights the advantages and disadvantages of each approach and emphasizes the importance of service, technology, and commercials in selecting a payment provider. We also touch on the challenges of fraud and compliance, and how Rainforest's unique approach handles these risks while offering a seamless user experience. Tune in for actionable insights on improving your platform's payment performance and understanding the evolving landscape of the payments industry.

The Essential Guide to Payment Orchestration with Gr4vy's VP Commercial Zubin Vandrevala. Join us in this insightful episode as we jump into the world of payment orchestration with Zubin Vandrevala, VP Commercial at Gr4vy. Learn about the evolving needs of merchants in payment processing, the complexities they face, and how orchestration platforms can provide strategic advantages. Zubin shares his experiences and case studies, including a detailed look at how key merchants successfully integrated payments orchestration solutions.