The AP+ POV Podcast

Epizode

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  How AI is transforming merchant experiences 22.06.2026 22min

  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.com/listener for privacy information.
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  Real-time super: The bigger opportunity 20.04.2026 20min

  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.
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  Growing up digital: the age of verification 03.09.2025 19min

  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 privacy information.
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  Confirmation of Payee: building an industry solution 15.07.2025 18min

  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 omnystudio.com/listener for privacy information.
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  PayTo in action: how smart payments are transforming the customer experience 25.05.2025 16min

  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 solution to life. She shares insights on the implementation,integration, and what’s next for smart, real-time payments in Australia.See omnystudio.com/listener for privacy information.
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  How to build trust in the face of evolving cyberthreats 17.04.2025 16min

  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 conversation, the risks and opportunities stemming from AI, and the importance of collaboration.See omnystudio.com/listener for privacy information.
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  Trust in supporting businesses with real-time payments and PayTo 16.01.2025 28min

  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 data-rich insights to creating new use cases for ad hoc payments, this episode unpacks why PayTo is a game-changer in Australia’s payments landscape.See omnystudio.com/listener for privacy information.
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  Money, payments, and identity in the metaverse 19.11.2024 23min

  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 technology, shares highlights from his latest book, Money in the Metaverse.Together, they explore how digital assets, virtual identities, and trust are shaping the future of payments.Get ready for an engaging look at how the virtual world is set to redefine financial interactions—and what it means for businesses and consumers alike.See omnystudio.com/listener for privacy information.
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  Creating trust in the digital economy using digital identity 29.10.2024 32min

  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 online.   From safeguarding personal data to setting industry standards, this conversation uncovers digital identity’s evolving role, and the regulatory frameworks needed to support its progress. See omnystudio.com/listener for privacy information.
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  Trust in the fight against Fraud & Scams 27.08.2024 27min

  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.
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  Building citizen trust for successful digital ID services 10.07.2024 28min

  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 cases and toward a future Australia that is the envy of the digital identity world.See omnystudio.com/listener for privacy information.
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  What do we mean by trust, and why is it important? 20.05.2024 19min

  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.
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  Using PayID to combat scams: ABA's Christine Cupitt 12.09.2022 11min

  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 PayID name before making the payment.Here, Christine Cupitt, Chief of Policy & Strategy ABA, discusses the types of scams we are seeing in the Australian market and the role PayID is playing to help protect Australian consumers and businesses.See omnystudio.com/listener for privacy information.
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  The NPP and the digital economy: Minister Jane Hume 24.03.2022 19min

  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 Consumer Data Right.  See omnystudio.com/listener for privacy information.
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  UK real-time payments case study: Pay.UK's Kate Frankish - Interview 1 01.02.2022 10min

  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 underway to develop a new payments architecture for the country.See omnystudio.com/listener for privacy information.
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  UK real-time payments case study: Pay.UK's Kate Frankish - Interview 2 01.02.2022 9min

  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 and fraud with Confirmation of Payee.See omnystudio.com/listener for privacy information.
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  Bain & Co's Richard Fleming: global trends to shape payments in 2022 15.12.2021 21min

  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 party payment initiation arrives in the form of PayTo.See omnystudio.com/listener for privacy information.
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  Chubb breaks new ground with ANZ, offering instant payouts via the NPP 15.11.2021 14min

  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.
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  What's in a name? The story behind 'PayTo' 07.10.2021 13min

  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 anyone who develops, names and markets products in the payments and financial services sectors.See omnystudio.com/listener for privacy information.
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  Technology facilitated abuse and the NPP 07.09.2021 14min

  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 Customer Vulnerability & Financial Resilience at Westpac, discuss the serious issue of technology facilitated abuse and how the financial services industry and NPP ecosystem are responding. See omnystudio.com/listener for privacy information.