The AP+ POV Podcast
The AP+ POV Podcast is a thought leadership series exploring trust across various topics in Australia's payments industry. It examines what trust means, how to earn it, and how to avoid jeopardising it, with a focus on diverse, inclusive and forward-thinking payment services. Australian Payments Plus shares its vision for delivering more innovation while addressing the growing complexity of frauds and scams. Listeners hear conversations about trust and integrity in business and life.
Episodes
How AI is transforming merchant experiences
AI is reshaping payments, but what does that mean in practice? In this episode, Johnny Ferguson from Tyro and Will Laws from AWS discuss how AI is helping merchants unlock deeper insights, streamline operations, and improve customer experiences. From data-driven decision-making to workflow automation, they explore where AI is delivering real value today – and what comes next.See omnystudio.c
Real-time super: The bigger opportunity
As Australia moves toward payday super, this episode explores the bigger opportunity beyond the 1 July milestone. In this episode, Grant Doherty from Westpac and Sue Pearce from Aware Super share their perspectives on the shift toward real-time super payments, and what it could unlock across the super ecosystem.See omnystudio.com/listener for privacy information.
Growing up digital: the age of verification
How can we make sure young people are protected without locking them out of the digital world? Tony Allen, from the UK Age Check Certification Scheme, and Kieran Donovan, from k-ID, join us to unpack the role of digital identity in age verification, and what it could mean for everything from online purchases to social media and age-appropriate gaming experiences.See omnystudio.com/listener for pri
Confirmation of Payee: building an industry solution
As Australian banks roll out Confirmation of Payee, this episode takes you behind the scenes of this industry-wide initiative to bring the name-matching service to market. We speak with Anuradha Raman from Pay.UK about the UK’s journey and lessons learned, and hear from AP+’s Tina Meizer about the local build, design decisions, and how industry collaboration shaped this new service.See
PayTo in action: how smart payments are transforming the customer experience
Dive into the real-world impact of PayTo through the lens of a corporate end-userwho is already embracing real-time, data-rich payments on the NPP.On this episode, Mark Buckland, CEO of Dymocks Learning, explains how PayTo isstreamlining operations and improving the customer experience. We’re also joinedby Alison Chang, General Manager of Payments at CBA, who helped bring theDymocks Learning
How to build trust in the face of evolving cyberthreats
For our latest podcast episode, Dave Ellett is joined by Nicola Nicol, Chief Security Officer at CBA, and Cody Kieltyka, Chief Information Security Officer at AP+, to explore Australia’s fast-evolving cyber security landscape. With cybercrime considered one of the biggest challenges facing Australian companies, tune in to learn about the latest threats, how to make cybersecurity a boardroom
Trust in supporting businesses with real-time payments and PayTo
For our first POV of 2025, Dave Ellett is joined by payments leaders from ANZ bank, Lisa Vasic and Anuj Mehra, to examine the critical role of trust in real-time payments and the transformative potential of PayTo. Learn how PayTo is enhancing visibility, security, and control for consumers while delivering unmatched efficiency for businesses. From improving financial wellbeing through da
Money, payments, and identity in the metaverse
Is the metaverse the next frontier for payments? Welcome to episode five of the AP+ POV podcast, where we jump into the cutting edge of digital transactions, and trust, in the rapidly expanding online world.In this episode, Dave Ellett, Chief Commercial Officer at AP+, speaks with renowned author and digital identity expert, David Birch. Birch, known for his insightful take on finance and technolo
Creating trust in the digital economy using digital identity
In episode four of the AP+ POV podcast, we explore the future of money, payments, and identity through the lens of trust in the digital economy. Joining our host Dave Ellett are NAB’s Executive for Innovations & Partnerships, Brad Carr, and ConnectID’s Managing Director, Andrew Black, who discuss how digital identity is reshaping fraud prevention and creating safer spaces for Australians onl
Trust in the fight against Fraud & Scams
According to the ACCC, Australians lost more than $2.7 billion to scams in 2023. In our latest episode of the AP+ POV podcast, Westpac’s Ben Young and Australian Payments Plus’ Katrina Stuart examine what the industry is doing to combat scams including the promising signs of Confirmation of Payee for preventing misdirected and mistaken payments.See omnystudio.com/listener for privacy information.
Building citizen trust for successful digital ID services
In our second episode, First Assistant Secretary, Digital ID and Data Policy Division, Department of Finance, John Shepherd & Managing Director, ConnectID, Andrew Black join Chief Commercial Officer Dave Ellett to take a deep dive into what trust means in the digital ID world, how to build trust with citizens and what are some of the main blockers to trust. We look at the past, at personal use
What do we mean by trust, and why is it important?
In this first episode, our Chair, Catherine Brenner, CEO Lynn Kraus and regular host, Chief Commercial Officer Dave Ellett examine what trust is, what it means to them individually and for Australian Payments Plus as an organisation.See omnystudio.com/listener for privacy information.
Using PayID to combat scams: ABA's Christine Cupitt
Recently the Australian Banking Association (ABA) and participating member banks launched the "Australian Banks: Working to Protect You" campaign to help protect customers against the growing threat of scams. During this campaign, the ABA highlighted that PayID helps to stop scams because unlike traditional payments, the payer can see a confirmation screen with the intended payee's
The NPP and the digital economy: Minister Jane Hume
In a recent speech to the Committee for Economic Development of Australia, Minister for Superannuation, Financial Services and the Digital Economy, Jane Hume, called out the NPP as a key driver of Australia’s digital economy. In this episode of NPP Soundbites, we invited Minister Hume to describe how she sees the NPP evolving areas such as einvoicing, government payments, superannuation and the C
UK real-time payments case study: Pay.UK's Kate Frankish - Interview 1
In the United Kingdom, the roll-out of real-time payments and Open Banking is slightly ahead of Australia, offering an important case study for the Australian market. This is this first of two interviews with Kate Flemish from the UK's leading payment authority, Pay.UK. In this episode she discusses the impact of Open Banking on real-time account-to-account payments and the significant work
UK real-time payments case study: Pay.UK's Kate Frankish - Interview 2
In the United Kingdom, the roll-out of real-time payments and Open Banking is slightly ahead of Australia, offering an important case study for the Australian market. This is this second of two interviews with Kate Flemish from the UK's leading payment authority, Pay.UK. In this episode hear Kate discuss what we can learn from the UK's introduction of Request to Pay and fighting scams a
Bain & Co's Richard Fleming: global trends to shape payments in 2022
As co-leader of Bain & Company's Global Digital Banking Initiative, Richard Fleming's work finds him at the heart of transformative change within organisations in the banking, insurance, wealth management and payments sectors. In this final episode for 2021, Richard reflects on global trends driving change and what the Australian payments landscape could look like in 2022 when third
Chubb breaks new ground with ANZ, offering instant payouts via the NPP
Chubb Insurance is the first insurer to use the NPP to offer instant payouts to its customers. In this episode hear Chubb's Gerard Sitaramayya and ANZ's Michael Lim, discuss how this award winning solution has overhauled Chubb's customer experience and vastly improved operational efficiency. See omnystudio.com/listener for privacy information.
What's in a name? The story behind 'PayTo'
Earlier this year, PayTo was revealed as the name for the NPP's Mandated Payments Service – the new, digital way for merchants and businesses to initiate real-time payments from their customers’ bank accounts. Hear Richard Curtis from FutureBrand discuss the process his organisation followed with NPP Australia to identify the PayTo moniker from a sea of possibilities. It’s a great listen for
Technology facilitated abuse and the NPP
The data richness of NPP payments, including the ability to include longer descriptions with a payment, is a central benefit of the New Payments Platform. However, like other technology carriers, this benefit is open to misuse. Hear Karen Bentley, CEO of Wesnet (the National peak body for specialist women's domestic and family violence services) and Catherine Fitzpatrick, the Director of Cust
Data-rich real-time payments around the world
Anita LeMaire from FIS Global draws from the Flavors of Fast 2020 and the Performance Against Customer Expectations (PACE) reports to take us on a trip around the world to look at the latest developments in data-rich real-time payments. See omnystudio.com/listener for privacy information.
Services Australia: delivering real-time emergency payments 24/7
Since launching on the NPP in late 2018, Services Australia has used the 'always on' real-time platform to make emergency payments during events such as bushfires, floods and the COVID19 pandemic. In this episode of NPP Soundbites Jarrod Moore, Services Australia’s Director of Payments, Strategy and Transformation describes the tangible impact NPP payments can have during an emergency si
Up: NPP and 'conversational payments'
When digital bank 'Up' launched in 2018, its unique proposition was quickly taken up by a young customer base - some who had never heard of three day bank transfers or BSB and account numbers. In this episode of NPP Soundbites, hear Up's cofounder, Dominica Pym, and Head of Product, Anson Parker, discuss the role the NPP plays in its unique proposition, both now and in the future. S
GoCardless: lessons in third party payment initiation from the UK
Luke Fossett from GoCardless discusses the potential of 'PayTo', NPP's mandated payments service. In particular, we look at lessons from the UK market when it comes to third party payment initiation and Open Banking. See omnystudio.com/listener for privacy information.
NAB's Rachel Slade: has the NPP met our expectations?
Listen to Rachel Slade, Group Executive Personal Banking at NAB, discuss whether the NPP we see today meets the expectations set by the Real Time Payments Committee back in 2013, and the lessons we should apply to the future delivery of the NPP's Mandated Payments Service. See omnystudio.com/listener for privacy information.
The Clearing House: fast payments in the United States
Shortly before the launch of Australia’s NPP, in late 2017 The Clearing House rolled out America’s first real-time payments infrastructure - the RTP network. In this episode, take a virtual trip to the United States to hear Senior Vice President of Product Strategy and Development at The Clearing House, Steve Ledford, describe what fast payments look like in the United States, including the use ca
Reserve Bank of Australia's Stephanie Connors discusses government use of the NPP
When the COVID19 pandemic was declared, government departments charged with responding to the emergency used the NPP to access funding in near real-time, thanks to a significant program of work that was completely literally weeks before. In this episode of NPP Soundbites, Deputy Head of the Reserve Bank of Australia’s Banking Department, Stephanie Connors, describes this work and why we are just s
Azupay's John Murphy says consumer adoption is key to moving innovation onto the NPP
John Murphy is the recently appointed CEO of Azupay, one of the first organisations to offer C2B payments via the NPP. John was also a founding member of the Real Time Payments Committee in 2013, which designed the strategy and design concept for the NPP. In this episode John explains the innovation being developed by Azupay to enable real-time C2B payments and disbursements. He also discusses wh
Block8: combining fast payments with DLT and blockchain
The application of blockchain in payments is a topic often debated. In this episode of NPP Soundbites, Samuel Brooks, the Chief Technology Officer at Block8, explains how his blockchain development studio has created and delivered enterprise solutions that combine block chain with real-time payments on the NPP. See omnystudio.com/listener for privacy information.
Split Payments: combining the NPP with Open Banking
In episode five of NPP Soundbites, Adrian Kennedy, Cofounder and Executive Director of Split Payments explains how the fintech is combining the NPP with Open Banking to drastically enhance and improve account-to-account banking. He also makes a case for placing morality at the heart of future payments innovation.See omnystudio.com/listener for privacy information.
Assembly Payments: using the NPP to enable future business models
Tim Dickinson is co-CEO of Assembly Payments, the first non bank to go live on the NPP, and an organisation that has now moved more than AUD$4b across the platform. In this NPP Soundbite, Tim explains how Assembly Payments has evolved its NPP enabled offerings since it launched two years ago, and why he’s excited about the development of the NPP’s Mandated Payments Service. See omnystudio.com/lis
Earnd: Financial wellbeing and the NPP
Earnd uses the NPP to enable employees to access up to 50 per cent of their pay in real-time without charge. General Manager of Earnd Australia, Brad Joffe, explains how the fintech accesses the NPP to improve people’s lives.See omnystudio.com/listener for privacy information.
Monoova: Helping rapidly scaling companies remove obstacles to their growth
Monoova is an NPP Identified Institution and early NPP adopter. CEO Christian Westerlind Wigstrom explains how Monoova uses the NPP’s capabilities to offer real-time account payables and receivables functionality, helping rapidly scaling companies remove obstacles to their growth.See omnystudio.com/listener for privacy information.
Simone Joyce discusses the MPS and Fintech participation in the NPP
Fintech Australia Chair and CEO and co-founder of Paypa Plane, Simone Joyce, discusses the Mandated Payments Service, Fintech participation in the NPP and adapting government regulatory framework to support wider NPP participation.See omnystudio.com/listener for privacy information.
