Rob Fernandes @rob2775
Fintech strategy & why it matters • Payments Product Leader • Advisor @Pay2Z • Founder @ClearAccept • Exits Metacharge, WePay • Built multiple active PSPs pay2z.com London, UK Joined July 2009-
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The @bankofengland and @TheFCA have now brought @awscloud, @googlecloud, @MSCloud and @Oracle under their regulatory purview as part of managing critical third parties to the financial services industry. computerweekly.com/news/366645764…
February warning that @Klarna might not be complying with #Netherlands regulations has given way now to €500m class action by local consumer not-for-profit - citing inadequate creditworthiness checks, failure to publicise risks & poor handling of claims. nltimes.nl/2026/07/13/dut…
In the #Netherlands, @Klarna is facing heat, as #legal experts highlight that the #BNPL platform has failed to comply with 2024 regulations requiring it to register for debt collection and missed #payment notifications it performs for accounts in arrears. nltimes.nl/2026/02/13/kla…
.@Revolut is bullish that their application to launch a US #bank, filed in March, will be complete and operational next year. Represents a significant maturity shift from a drawn out regulatory approval for UK #banking licence. tech.eu/2026/07/13/rev…
Founded by an ex @netflix #payments team, card killer NoPan (no more PANs) raise €7.2m seed for platform to help #merchants optimise #A2A and wallet #payments adoption such as Wero at scale. Single API to European wallets & ongoing UX, reliability focus. nopan.com/blog/nopan-rai…
Wholly unsurprising news that @Mastercard is exploring majority sale back to UK banks of @FasterPayments and @BacsUK operator @Vocalink. Amid mounting calls for #payments sovereignty, may be only way for Voca/MC to retain contract at early 2030's renewal. ft.com/content/111791…
Ahead of Monday report from new @hmtreasury digital markets taskforce, prediction that tokenising assets to run key financial markets on distributed ledgers could be worth up to £33bn boost to UK economy - but faces competition from the US, EU and Asia. ft.com/content/d4b379…
The Netherlands largest online retailer @bol_com secure authorisation for their own #payments entity: with plan to diversify and offer own payment tech to #merchants, as well as to establish own #BNPL offering. nltimes.nl/2026/07/07/reg…
Practical product roadmap thinking from @StarlingBank who roll out both motion and location sensitivity in their #mobile #banking app - motion to disable features if a suspected phone snatch occurs, location to limit where major A2A transfers can be made. finextra.com/newsarticle/48…
London #fintech Kord raises £6.4m Series A for their end to end #compliance and #payments platform for regulated, client-money oriented sectors - such as law, conveyancing, property & lending. UK rival @shieldpay already carved out niche for complex flows. tech.eu/2026/07/08/kor…
Latest plan from @Fiserv to arrest declining fortunes is to offload the 42 year old US debit card network STAR back to the banks - which they've owned since their go private deal in 2003. Largest domestic interbank #bank #payments network in the US. reuters.com/business/finan…
#Payments stakeholder group organised by #Australia central bank @RBAInfo today issued their vision for the future of account to account (#bank based) payments in the country. rba.gov.au/media-releases…
.@usbank launches $25/mo small business "enhanced #payments" suite that enables fully online support for same day ACH and international wires to small traders - without visiting a branch. Feels like this shouldn't be a #banking novelty in 2026. businesswire.com/news/home/2026…
European #payments upstart @MolliePayments follows @stripe, @Checkout playbook by introducing payouts to acceptance platform. Highlights ongoing convergence of money flows and need for scale players to service all to offer true #embedded finance solve. thepaypers.com/payments/news/…
Just 9 months from announcing concept, legacy #bank to bank global #payments network @swiftcommunity has launched a 17-bank, 6-continent #blockchain pilot - to disrupt old point to point correspondent banking. Counters threat of newer tokenised providers. businesswire.com/news/home/2026…
Unsurprisingly @Klarna has now applied for US banking licence, chartered in Utah, having leveraged WebBank until now. Milestone after 7 years of #BNPL #payments in America, following European deposit taking strategy to fund lending #bank RoE flywheel. investors.klarna.com/News--Events/n…
#Cybercriminals already manipulating AI agents routine web tasks - by using SEO to promote malicious versions of coding resources which include hidden prompts that trick agent into initiating #payments, or by linking to fake versions of #crypto platforms. zscaler.com/blogs/security…
Roundup of 3 separate @CMAgovUK investigations by UK anti-trust regulator (@marksandspencer, @Ryanair, @MarksElectrical). Targets "unfair" consumer treatment pre-#payment in #checkout, including pre-selected extras, hidden fees & mandatory charges. jdsupra.com/legalnews/cma-…
#Crypto giant @krakenfx parent @Payward acquires Singapore based @reapglobal, a #stablecoin native card issuing and #payments technology platform, to add traditional card and payments capability. reap.global/newsroom/paywa…
Per @ThePSR, disputed UK A2A #payments (so called Authorised Push Payment - APP - #fraud) fallen £73m since introduction of APP reimbursement policy, as a result of pressure on PSPs to act. Even allowing for cost to PSPs, estimates £17-29m net benefit. psr.org.uk/news-and-updat…
Seattle US based KredosAI raise $7m Series A for tech that uses #AI agentic customer engagement to optimise successful overdue #payment remediation before push to debt collection. Exception handling is outsized chunk of cost of #payments for big business. kredosai.com/company/blog/p…
Rob #SouthBristol @BS3Rob
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allpay Limited @allpayLimited
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