The AP+ POV Podcast
Episodes
Real-time super: The bigger opportunity
20 Apr 2026
Contributed by Lukas
As Australia moves toward payday super, this episode explores the bigger opportunity beyond the 1 July milestone. In this episode, Grant Doherty from ...
Growing up digital: the age of verification
03 Sep 2025
Contributed by Lukas
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,...
Confirmation of Payee: building an industry solution
15 Jul 2025
Contributed by Lukas
As Australian banks roll out Confirmation of Payee, this episode takes you behind the scenes of this industry-wide initiative to bring the name-matchi...
PayTo in action: how smart payments are transforming the customer experience
25 May 2025
Contributed by Lukas
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 ...
How to build trust in the face of evolving cyberthreats
17 Apr 2025
Contributed by Lukas
For our latest podcast episode, Dave Ellett is joined by Nicola Nicol, Chief Security Officer at CBA, and Cody Kieltyka, Chief Information Security Of...
Trust in supporting businesses with real-time payments and PayTo
16 Jan 2025
Contributed by Lukas
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 i...
Money, payments, and identity in the metaverse
19 Nov 2024
Contributed by Lukas
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 transa...
Creating trust in the digital economy using digital identity
29 Oct 2024
Contributed by Lukas
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. J...
Trust in the fight against Fraud & Scams
27 Aug 2024
Contributed by Lukas
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 a...
Building citizen trust for successful digital ID services
10 Jul 2024
Contributed by Lukas
In our second episode, First Assistant Secretary, Digital ID and Data Policy Division, Department of Finance, John Shepherd & Managing Director, C...
What do we mean by trust, and why is it important?
20 May 2024
Contributed by Lukas
In this first episode, our Chair, Catherine Brenner, CEO Lynn Kraus and regular host, Chief Commercial Officer Dave Ellett examine what trust is, what...
Using PayID to combat scams: ABA's Christine Cupitt
12 Sep 2022
Contributed by Lukas
Recently the Australian Banking Association (ABA) and participating member banks launched the "Australian Banks: Working to Protect You" cam...
The NPP and the digital economy: Minister Jane Hume
24 Mar 2022
Contributed by Lukas
In a recent speech to the Committee for Economic Development of Australia, Minister for Superannuation, Financial Services and the Digital Economy, Ja...
UK real-time payments case study: Pay.UK's Kate Frankish - Interview 1
01 Feb 2022
Contributed by Lukas
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 ...
UK real-time payments case study: Pay.UK's Kate Frankish - Interview 2
01 Feb 2022
Contributed by Lukas
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 ...
Bain & Co's Richard Fleming: global trends to shape payments in 2022
15 Dec 2021
Contributed by Lukas
As co-leader of Bain & Company's Global Digital Banking Initiative, Richard Fleming's work finds him at the heart of transformative chan...
Chubb breaks new ground with ANZ, offering instant payouts via the NPP
15 Nov 2021
Contributed by Lukas
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 an...
What's in a name? The story behind 'PayTo'
07 Oct 2021
Contributed by Lukas
Earlier this year, PayTo was revealed as the name for the NPP's Mandated Payments Service – the new, digital way for merchants and businesses t...
Technology facilitated abuse and the NPP
07 Sep 2021
Contributed by Lukas
The data richness of NPP payments, including the ability to include longer descriptions with a payment, is a central benefit of the New Payments Platf...
Data-rich real-time payments around the world
27 Aug 2021
Contributed by Lukas
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 tri...
Services Australia: delivering real-time emergency payments 24/7
28 Jul 2021
Contributed by Lukas
Since launching on the NPP in late 2018, Services Australia has used the 'always on' real-time platform to make emergency payments during ev...
Up: NPP and 'conversational payments'
04 Jun 2021
Contributed by Lukas
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 ...
GoCardless: lessons in third party payment initiation from the UK
07 May 2021
Contributed by Lukas
Luke Fossett from GoCardless discusses the potential of 'PayTo', NPP's mandated payments service. In particular, we look at lessons f...
NAB's Rachel Slade: has the NPP met our expectations?
31 Mar 2021
Contributed by Lukas
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 Paym...
The Clearing House: fast payments in the United States
25 Mar 2021
Contributed by Lukas
Shortly before the launch of Australia’s NPP, in late 2017 The Clearing House rolled out America’s first real-time payments infrastructure - the R...
Reserve Bank of Australia's Stephanie Connors discusses government use of the NPP
18 Mar 2021
Contributed by Lukas
When the COVID19 pandemic was declared, government departments charged with responding to the emergency used the NPP to access funding in near real-ti...
Azupay's John Murphy says consumer adoption is key to moving innovation onto the NPP
12 Feb 2021
Contributed by Lukas
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 memb...
Block8: combining fast payments with DLT and blockchain
04 Feb 2021
Contributed by Lukas
The application of blockchain in payments is a topic often debated. In this episode of NPP Soundbites, Samuel Brooks, the Chief Technology Officer a...
Split Payments: combining the NPP with Open Banking
20 Dec 2020
Contributed by Lukas
In episode five of NPP Soundbites, Adrian Kennedy, Cofounder and Executive Director of Split Payments explains how the fintech is combining the NPP wi...
Assembly Payments: using the NPP to enable future business models
10 Dec 2020
Contributed by Lukas
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 acro...
Earnd: Financial wellbeing and the NPP
10 Dec 2020
Contributed by Lukas
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 ...
Monoova: Helping rapidly scaling companies remove obstacles to their growth
10 Dec 2020
Contributed by Lukas
Monoova is an NPP Identified Institution and early NPP adopter. CEO Christian Westerlind Wigstrom explains how Monoova uses the NPP’s capabilities t...
Simone Joyce discusses the MPS and Fintech participation in the NPP
10 Dec 2020
Contributed by Lukas
Fintech Australia Chair and CEO and co-founder of Paypa Plane, Simone Joyce, discusses the Mandated Payments Service, Fintech participation in the NPP...