Financial inclusion in action: The future of payments and citizen support

Simon Coles, managing director, digital payments and Open Banking at PayPoint, Andrew Bonsall, chief operations officer at AperiData and Nicola Dunn, commercial director at AperiData join the podcast to discuss financial inclusion and payment journeys. They explain how the cost-of-living crisis has changed the way organisations, such as local authorities and utilities providers, engage with customers, and how they are using Open Banking to more accurately determine the types of financial pressure households are under. They also discuss how important it is to build trust and security into payment experiences, with tools such as Confirmation of Payee. Find out what PayPoint’s recent acquisition of AperiData will mean for how they continue to work together. And finally, find out why Open Banking Expo UK & Europe 2026 is such a fixture in the ecosystem calendar as PayPoint returns as an Event Partner.