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Payments:Unpacked

Payments:Unpacked

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Independent practitioner’s analysis of UK and global payments infrastructure and policy.

Recent Posts

Major Settlement Overhaul for CHAPS
News•Feb 24, 2026

Major Settlement Overhaul for CHAPS

The Bank of England will extend CHAPS operating hours, introducing a voluntary early‑morning settlement window that begins at 01:30 GMT instead of the current 06:00 start. The change takes effect in September 2027 and is designed to enable earlier sterling settlement, improve liquidity management, and boost operational resilience. It also seeks to better align UK settlement cycles with global financial markets. A further consultation on additional reforms is slated for spring 2026.

By Payments:Unpacked
Understanding Certainty of Fate in Faster Payments
News•Feb 21, 2026

Understanding Certainty of Fate in Faster Payments

The episode explains Certainty of Fate (CoF) – the need for clear, timely confirmation of success or failure for UK account‑to‑account (A2A) payments – and why it’s vital for merchants, consumers and payment providers. It outlines key challenges, including legacy...

By Payments:Unpacked
Falling in Love with a Safer Way to Pay
News•Feb 14, 2026

Falling in Love with a Safer Way to Pay

The episode commemorates the 20‑year anniversary of mandatory CHIP and PIN in the UK, explaining how the shift from signature to chip‑and‑PIN cards dramatically cut fraud and set a global benchmark for secure payments. It highlights the liability shift that...

By Payments:Unpacked
The First Banking Disruptor?
News•Feb 12, 2026

The First Banking Disruptor?

The episode examines Midland Bank's 1984 decision to eliminate fees for cheques, statements, and standing orders, effectively making personal banking free in the UK. It explores how this bold move reshaped the competitive landscape, prompting other banks to adopt similar...

By Payments:Unpacked
Their Role Wasn’t to Question Customers, Just as a Sewage Company Doesn’t Ask What You Ate for Dinner
News•Feb 6, 2026

Their Role Wasn’t to Question Customers, Just as a Sewage Company Doesn’t Ask What You Ate for Dinner

The episode examines how U.S. Congressman Wright Patman reshaped banking regulation, turning banks from passive cash conduits into active gatekeepers tasked with monitoring and reporting suspicious activity. It contrasts the pre‑Patman view of banks as mere plumbing with the post‑Patman...

By Payments:Unpacked
Tom Ilube CBE Appointed Chair of LINK
News•Feb 2, 2026

Tom Ilube CBE Appointed Chair of LINK

The episode announces Tom Ilube CBE as the new Chair of LINK, the UK’s cash access and ATM network, highlighting his extensive background in technology, finance, education, and philanthropy. Ilube emphasizes the importance of maintaining cash access for millions as...

By Payments:Unpacked
Regulators at the Heart of the National Payments Vision
News•Feb 2, 2026

Regulators at the Heart of the National Payments Vision

In his keynote at the Payments Regulation and Innovation Summit, David Geale, MD of the Payment Systems Regulator, outlined how the FCA and PSR are steering the National Payments Vision by focusing on system trust, resilience through choice, and upcoming...

By Payments:Unpacked
The Evolution of Direct Debit
Podcast•Jan 26, 2026•0 min

The Evolution of Direct Debit

In this episode, host Mike Chambers sits down with Richard Ransom of Bottomline and Mike Hutchinson of The Regular Payments Marketing Company to trace the half‑century history of direct debit, examining current transaction volumes, value trends, and the evolving supply...

By Payments:Unpacked