Welcome to the Powering Payments Podcast by Form3. Here you will find discussions ranging from the future of payments and digital banking to in-depth conversations with industry payments leaders.
Whether you're an experienced payments professional or looking to enter this exciting industry and wanting to learn more, this is the place for you!
Ep 21. Shaping the Future of Real-Time Payments: A Deep Dive into TCH RTP's 2026 Changes and Roadmap
In this episode of the Form3 Powering Payments Podcast, Miriam Sheril, Head of Product - US at Form3 and Cheryl Gurz, RTP Product Manager at The Clearing House, explore the TCH RTP roadmap to 2026, breaking down upcoming changes and what they mean for banks and fintechs. They also discuss how institutions can prepare for these updates and how Form3 is supporting clients through the transition.
27 Mar 2025
ep.20 - All about Verification of Payee
In this episode of the Form3 Powering Payments Podcast we have Chris Mullins, Senior Product Manager at Form3 talking with Marco de Jong, Principal Payment Consultant from Capgemini discussing all things Verification of Payee (VoP). From how PSPs may approach VoP to meet the timelines for implementation, how solution providers are able to assist with VoP and what we can learn from similar schemes such as Confirmation of Payee in the UK.
2 Jul 2024
Ep 19. Cloudy with a chance of AI
Taken from the main stage at this year’s Money20/20 in Amsterdam, our very own Eimear O’Connor led the discussion on how cloud and AI is shaping the future of payment innovation. Joined by representatives from Nationwide Building Society, Square and Visa hear how these technologies are reshaping the propositions and approaches banks are taking in order to maximise innovation and meet customer needs.
15 May 2024
Ep 18. Banking on innovation: A conversation with Mandy Lamb
Join us on the Powering Payments podcast with Mandy Lamb, MD of Visa's UK and Irish business, as we explore the transformative landscape of digital payments. Discover how consumer expectations and technological advancements are reshaping banking and commerce. Tune in to hear how Visa is navigating these changes and leading innovation in a dynamic market.
12 Dec 2023
Ep 17. How APIs are driving innovation and change in payments
In our lates episode Miriam Sheril, Head of US Product, Form3 got time with Bruno Reded Tinoco, CIS Business Development, at GFT Group to discuss how API technology is changing the way banks are thinking about payment modernisation.
As Bruno states: "APIs enable rapid development of new services, especially for banks and fintechs, facilitating the integration of different services. This drives company growth by enabling easy data exchange and fostering innovation."
In this episode we will discuss:
- Simplifying Complexity with Unified APIs
- APIs Driving Growth and Innovation
- Open APIs and Open Banking
3 Aug 2023
Ep 16. Beyond compliance: Harnessing DORA’s potential for strategic advantage
The Digital Operational Resilience ACT or DORA as it is known is fast approaching. We are joined by Philipp Baecker from Bain on our podcast today to discuss why this isn't just a compliance tick box exercise, and why banks need to already be responding to this and putting the wheels in motion before it is too late.
Speakers:
Jolanda Schekermans, Head of Product, API Experience, Form3
Philipp Baecker, Partner, Bain
27 Jun 2023
Ep 15. Why data sharing is key for fraud prevention
Today we’re diving into the world of financial crime. In today’s fast-paced world, the complexity of economic crime continues to increase, making data sharing and collaboration critical in its detection and prevention. At the recent Pay360 event our very own Head of Fraud Chris Oakley joined other panelists to discuss exactly how this can be achieved. So sit back as we hand over to Andrew Churchill from The Payments Association who hosted the session.
27 Jun 2023
Ep 14. DORA: The Biggest Change No One Is Talking About
The “DORA: The Biggest Change in Payments No-One is Talking About” session will cover how the regulation will accelerate cloud and third-party services adoption, and how concentration risk management is now both a system level and firm-level effort. The session will also look at how enhancements in service offerings result in fewer opportunities to restore operations in the event of a cyberattack. Also, the panel will consider the systemic risk of firms underinvesting in their own resilience, and how failures at a single bank could cause an avalanche of problems for others.
Speakers:
Abdellah Ben Hammou, Product Director, Klarna
Jessica Ramos, Head of Regulatory & Financial Affairs, EBA CLEARING
Moderator:
Jolanda Schekermans, Head of Product, API Experience, Form3
7 Dec 2022
Ep 13. New Payments Architecture – what you really need to know, pt. 2
Stuart Poffley, NPA Lead, Form3
Peter Harmston, Partner, Head of Payments Consulting, KPMG
24 Nov 2022
Ep 12. New Payments Architecture – what you really need to know, pt. 1
Stuart Poffley, NPA Lead, Form3
Peter Harmston, Partner, Head of Payments Consulting, KPMG
What’s covered in this episode:
How to use the NPA as a catalyst for strategic change
What are the practical ways of thinking about this migration project
How NPA will impact the adoption of cloud technology
Discover more on what NPA will mean to you and how to prepare for these changes (https://www.form3.tech/campaigns/comprehensive-guide-to-new-payments-architecture).
1 Nov 2022
Ep 11. Payments : Monetisation of data & other benefits of cloud technologies
Nick Fleetwood, Head of Data Services, Form3
Ronan Carter, Client Partner, Google
What’s covered in this episode:
What opportunities exist for banks to create value from data collected from payment flows?
What are the key ‘data principles’ when it comes to unlocking value
How do we bring together siloed data to infer payment insights?
How is smart data combatting the rise in fraudulent activity?
16 Aug 2022
Ep 10. FedNow: A deep dive into liquidity, interoperability and fraud.
With all eyes firmly fixed on the launch of FedNow in 2023 there still remain a number of areas where questions remain. Recently Form3 US General Manager Dave Scola sat down with Miriam Sheril who joined Form3 from her previous role as core product lead for FedNow at The Fed to hear from her on some of these key areas such as interoperability, liquidity management, and fraud.
17 Feb 2022
Ep 09. The future of real time payments, with Jana Mackintosh, Gregor Dobbie & Joss Wilbraham
Guests:
Gregor Dobbie - CEO - Vocalink
Jana Mackintosh - Managing Director Payments and Innovation - UK Finance
Hosts: Joss Wilbraham - Head of Networks and Infrastructure - Form3
Producers: Tom Campbell - Creative Lead - Form3
11 Oct 2021
Ep 08. Form3: An Introduction to NPA & ISO - ft Jana Mackintosh - UK FInance, Ben Matthews - Baringa & Joss Wilbraham - Form3
What’s covered in this episode:
What is NPA?
Concept v Reality: Where are we now?
Why should it matter to banks, businesses and consumers?
What is ISO20022 and what does it mean for the UK Banking and Payments Industry?
The many uses cases of NPA and ISO20022
The benefits of standards
12 Aug 2021
Ep 07. Form3: How Have Cloud Payments Gone Mainstream? ft Sulabh Agarwal, Accenture & Sekai Ndemanga, AWS
What’s covered in this episode:
Has cloud technology penetrated payment infrastructures?
Is there a cloud mindset we need to embrace? Moving from a tech decision to a tech stack decision
What’s the catalyst for this need for change with cloud payments?
How do we move the conversation from planning to execution?
Are we seeing the numbers we expect at this stage of adoption?
Why has the UK seen such growth with cloud payments?
What are the hurdles to cloud adoption?
18 Mar 2021
Ep 06. Digital Transformation in Banking with Jan-Willem Weggemans from Publicis Sapient, Kevin Holditch from Form3 and Gary Dempsey from Money20/20 EU
It is hard to transform to digital-first, or as our guest co-host Kevin Holditch says, "Replatforming a bank is like swapping out a couple of decades-old jet engine, mid-flight, whilst being 38,000 feet in the air with an over-pack passenger list." Seems like that might cause a few difficulties, doesn't it?
You can also find this episode and Money20/20s great podcast here: The MoneyPot
Guest: Jan-Willem Weggemans, Senior Client Partner, Publicis Sapient.
Hosts: Gary Dempsey, Content Lead, Money20/20 EU
Kevin Holditch, Head of Platform Engineering, Form3
Producers: Gary Dempsey, Content Lead, Money20/20 EU
Thomas Cheung, International Marketing Manager, Form3
Roland Bodenham, Senior Video Producer, Ascential
24 Nov 2020
Ep 05. Instant Payments with Arthur Cousins and Jolanda Schekermans
What will Arthur (https://www.linkedin.com/in/arthur-cousins-b5b8083/), Jolanda (https://www.linkedin.com/in/jolanda-schekermans-90458257/) and Andrew (https://www.linkedin.com/in/andrew-frost-b06b6b52/) be discussing? Find out below.
Topics covered:
What does instant payments really mean, how is it defined and what is being done in your region?
What are the drivers at a consumer, corporate and banking level for instant payments in Europe?
Mass adoption is key to the future of instant payments, what is preventing this mass adoption or slowing it down?
How do we prevent a situation where participants are not overfunding and have a system where this is managed on an ongoing basis?
What are the potential additional impacts on back office processes within a bank I.e. sanctions, AML, liquidity for entering the instant market? How are these challenges overcome?
Target2 is limited only to credit institutions, can we see the logic in this or would a more liberal approach like the bank of England has to regulated entities be preferable?
In Form3 terms would this be classed as a direct non-settling participant model?
What does the landscape look like globally for appetite to migrate to faster payments?
What are the existing payment processes and how do you see SADC starting to interact with other instant initiatives globally?
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
Spotify
4.0 / 5
1 ratings
Podcast Authority Score: 26 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
24
Social presence
0
YouTube
0
Engagement
71
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