UK National Payments Vision: What does it mean for fintech growth?

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</div> </div>  <div class="mb-20px"> </div>  <img id="ctl00_ctl00_body_main_ArticleForm_imgArticle" src="../../finextra-images/oped/1183.jpg" alt="UK National Payments Vision: What does it mean for fintech growth?" style="border-width:0px;" />  <div class="button button-secondary content-box mobile" ><h4>Contributed</h4><p>This content is contributed or sourced from third parties but has been subject to Finextra editorial review.</p></div>  <div id="ctl00_ctl00_body_main_ArticleForm_pnlBody" class="alt-body-copy"> <p>Late last week the government launched their <a href="https://assets.publishing.service.gov.uk/media/6736385fb613efc3f182317a/National_Payments_Vision..pdf">National Payments Vision</a>. Described as resting upon three key pillars of innovation, competition, and security it sets outs welcome detail on regulatory coordination and payment infrastructure upgrades, identifies Open Banking and fraud as priority areas and establishes a payments vision delivery committee to focus on implementation.</p> <p><strong>Regulatory cooperation, coordination, clarity, and consistency</strong></p> <p>The government clearly wants the two main regulators, the Financial Conduct Authority (FCA) and the Payment Services Regulator (PSR), to be more coordinated. A joint remit letter has been sent to both which welcomes the FCA’s commitment to lead work on enhancing the management of overlaps between the two bodies exercise of their functions.</p> <p><strong>Payment infrastructure upgrades</strong></p> <p>Th newly established Payments Vision Delivery Committee will, through work led by the Bank of England and PSR, clarify the upgrades required to the existing Faster Payments System, assess longer-term requirements and the appropriate funding and governance arrangements needed to deliver this – including proposals to reform Pay.UK.</p> <p><strong>Open Banking</strong></p> <p>The government have described unlocking Open Banking enabled account-to-account payments for e-commerce to be a “strategic short to medium term priority”. The government has also recognised the potential beyond its role in delivering seamless account-toaccount payments. Open Banking presents significant opportunities by further enabling customers and businesses to leverage their data to access personalised, tailored services and finance. The government says its “ambition is for the UK to be a world leader in Open Finance – the next generation of financial data sharing”.</p> <p>The benefits are well known and potentially transformative for businesses and customers, enabling choice, innovation, and a greater ability to engage with financial services. The <a href="../../../the-long-read/1173/what-the-new-data-use-and-access-bill-means-for-the-uk"> Data (Use and Access) Bill, which was the subject of my last piece here</a>, will be essential to this work and also includes the move to the FCA becoming the UK’s regulator for Open Banking. This shift to a single authority will help sustain a coherent approach to Open Banking payment initiation and data sharing. The FCA will be expected to engage effectively with other relevant authorities, including cooperating with the PSR on matters related to designated payment systems.</p> <p><strong>CBDC: The Digital Pound</strong></p> <p>This is very much still at exploration stage.</p> <p>The vision opens the – digital pound - section with a line on the government’s commitment to protecting access to cash but also acknowledges the emergence of new forms of digital money. The vision promises to continue working with the Bank of England on the design phase for a retail CBDC but reiterates that no decision has been taken on whether to launch a digital pound.</p> <p>The government also commits that any decision to proceed would be accompanied by the introduction of primary legislation, which would guarantee users’ privacy and control of their money.</p> <p><strong>Fraud</strong></p> <p>Independent estimates suggesting that fraud cost UK consumers £8.3 billion last year alone. It is absolutely right that this is identified as a key priority.</p> <p>Again, the FCA will lead work to manage existing overlaps between itself and the PSR, although the latter has committed to an independent post implementation review of the authorised push ten payment fraud reimbursement rules, after twelve months. It is positive that the government recognises the role that the technology and telecommunications sectors play in tackling authorised push payment fraud, highlighting that fact that the Online Safety Act 2023 imposes obligations on large technology platforms to prevent fraudulent content on their services or face substantial fines if they fail to do so.</p> <p>There is also ongoing work from Ofcom with operators to prevent the misuse of telephone numbers by criminals, stem the tide of scam messages and address mobile spoofing. These are positive steps, but more must be done – I hope to see more progress by the next Joint Fraud Taskforce in March 2025.</p> <p><strong>Implementing the National Payments Vision</strong></p> <p>The government is establishing the Payments Vision Delivery Committee to drive change. The committee will be comprised of senior representatives of the Bank of England, FCA and PSR, with responsibility for ensuring coordination between the regulators. It will provide a mechanism to facilitate prioritisation decisions on initiatives.</p> <p>HM Treasury will chair the Committee to support this work and help ensure decisions are aligned with the government’s vision. The Committee will run for an initial period of 9-12 months, after which its future role will be assessed. The committee will be tasked with providing greater clarity on the upgrades required to the UK’s Faster Payments System; assessing future requirements for the UK’s retail payments infrastructure, looking beyond the upgrading of Faster Payments to consider the needs and development of the UK’s retail payments at large; and determining the governance arrangements needed to deliver this, including proposals to reform Pay.UK.</p> <p>The UK has been a global leader in payments, we are blessed with a strong financial services environment and a well-established regulatory framework. The rise of fintech and developments in technologies like blockchain/DLT and AI, as well as enhanced data sharing have potential to fundamentally alter the ecosystem.</p> <p><a href="https://www.gov.uk/government/publications/future-of-payments-review-2023">Joe Garner’s 2023 review</a> called for a strategic vision for UK Payments arguing that the UK must act quickly to seize the opportunities of the future, or risk falling behind international peers. Has this vision done enough to deliver what is hoped for - a world-leading ecosystem that ensures trusted payments, delivered on next-generation technology, with more choice for consumers and businesses. 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class="article-authorDetails-postStat-title">Long reads</div> <div class="article-authorDetails-postStat-desc">29</div> </a> </div> </div> </div> </div> <div class="button-container"> <a id="ctl00_ctl00_body_main_ArticleProfileMainBelow_bFollow" class="button button-small button-icon-left button-secondary follow-author " href="/community/login.aspx?returnurl=/the-long-read/1183/uk-national-payments-vision-what-does-it-mean-for-fintech-growth" href="javascript:__doPostBack('ctl00$ctl00$body$main$ArticleProfileMainBelow$bFollow','')"> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionFollow-1.svg'); mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionFollow-1.svg');"></span> <span class="button-text">Follow</span> </a> <a id="ctl00_ctl00_body_main_ArticleProfileMainBelow_bUnFollow" class="button button-small button-icon-left button-secondary unfollow-author d-none" 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calendar" datetime="2024-11-08 10:00:00Z">08 November</time> <span class="card-channels"> <a href="/channel/payments" class="card-channel-link" arial-label="link to channel: /channel/payments">/payments</a> </span> </p> </div> </div> </div> </div> <div class="card"> <div class="row"> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-profile">Long read</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummaryAuthor_rItems_ctl01_hTitle" aria-label="Read article: The UK’s legislative approach: Substance over style" href="/the-long-read/1147/the-uks-legislative-approach-substance-over-style">The UK’s legislative approach: Substance over style</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-11 11:21:00Z">11 October</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card"> <div class="row"> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-profile">Long read</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummaryAuthor_rItems_ctl02_hTitle" aria-label="Read article: What does the UK’s proposed Digital Assets Bill mean for the future of crypto?" href="/the-long-read/1123/what-does-the-uks-proposed-digital-assets-bill-mean-for-the-future-of-crypto">What does the UK’s proposed Digital Assets Bill mean for the future of crypto?</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-09-20 10:00:00Z">20 September</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card"> <div class="row"> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-profile">Long read</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummaryAuthor_rItems_ctl03_hTitle" aria-label="Read article: UK election 2024: What it means for fintech regulation" href="/the-long-read/1059/uk-election-2024-what-it-means-for-fintech-regulation">UK election 2024: What it means for fintech regulation</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-07-03 10:00:00Z">03 July</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card"> <div class="row"> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-profile">Long read</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummaryAuthor_rItems_ctl04_hTitle" aria-label="Read article: What does the General Election mean for Data Protection, Digital Markets, and AI Regulation Bills?" href="/the-long-read/1045/what-does-the-general-election-mean-for-data-protection-digital-markets-and-ai-regulation-bills">What does the General Election mean for Data Protection, Digital Markets, and AI Regulation Bills?</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-06-10 17:03:00Z">10 June</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div>  <div class="cta-row cta-all-longread"> <a id="ctl00_ctl00_body_main_LatestSummaryAuthor_hSeeAll" href="/latest-long-reads?memberid=133284">See all Long Reads from Chris</a> </div> </div> </div> </div> </section>  <section class="section--article-longread"> <div class="row"> <div class="col-12"> <h2 class="h4 heading-padding">/regulation Long Reads</h2>  <div class="card card--post card--imageProfile"> <div class="row"> <div class="col-3 col-sm-4 card-img-container"> <a href="/the-long-read/1183/uk-national-payments-vision-what-does-it-mean-for-fintech-growth" arial-label="Read article: UK National Payments Vision: What does it mean for fintech growth?" > <img src="/finextra-images/oped/1183.jpg" class="card-img" alt="UK National Payments Vision: What does it mean for fintech growth?" /> </a> </div> <div class="col-4 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl00_hBlogger" aria-label="link to author: Chris Holmes" href="/bloggers/lord-chris-holmes"><div class="blue-tick"><img id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl00_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_133284_chris_holmes.jpg" alt="Chris Holmes" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 col-sm-8 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl00_hMember" aria-label="link to author: Chris Holmes" href="/bloggers/lord-chris-holmes">Chris Holmes</a> Peer at House of Lords</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl00_hTitle" aria-label="Read article: UK National Payments Vision: What does it mean for fintech growth?" href="/the-long-read/1183/uk-national-payments-vision-what-does-it-mean-for-fintech-growth">UK National Payments Vision: What does it mean for fintech growth?</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-11-20 11:30:00Z">20 November 2024</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card card--post card--imageProfile"> <div class="row"> <div class="col-3 col-sm-4 card-img-container"> <a href="/the-long-read/1162/building-resilience-across-borders-in-todays-interconnected-world" arial-label="Read article: Building resilience across borders in today’s interconnected world" > <img src="/finextra-images/oped/1162.jpg" class="card-img" alt="Building resilience across borders in today’s interconnected world" /> </a> </div> <div class="col-4 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl01_hBlogger" aria-label="link to author: David Turmaine" href="/bloggers/164359"><div class="blue-tick"><img id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl01_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_164359_david_turmaine.png" alt="David Turmaine" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 col-sm-8 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl01_hMember" aria-label="link to author: David Turmaine" href="/bloggers/164359">David Turmaine</a> Managing Director at Broadridge</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl01_hTitle" aria-label="Read article: Building resilience across borders in today’s interconnected world" href="/the-long-read/1162/building-resilience-across-borders-in-todays-interconnected-world">Building resilience across borders in today’s interconnected world</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-11-04 10:00:00Z">04 November 2024</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card card--post card--imageProfile"> <div class="row"> <div class="col-3 col-sm-4 card-img-container"> <a href="/the-long-read/1144/regulating-africa-to-encourage-embedded-finance-innovation" arial-label="Read article: Regulating Africa to encourage embedded finance innovation" > <img src="/finextra-images/oped/1144.jpg" class="card-img" alt="Regulating Africa to encourage embedded finance innovation" /> </a> </div> <div class="col-4 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl02_hBlogger" aria-label="link to author: Níamh Curran" href="/bloggers/137526"><div class="blue-tick"><img id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl02_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_137526_n%c3%adamh_curran_9.jpg" alt="Níamh Curran" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 col-sm-8 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl02_hMember" aria-label="link to author: Níamh Curran" href="/bloggers/137526">Níamh Curran</a> Senior Reporter at Finextra</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl02_hTitle" aria-label="Read article: Regulating Africa to encourage embedded finance innovation" href="/the-long-read/1144/regulating-africa-to-encourage-embedded-finance-innovation">Regulating Africa to encourage embedded finance innovation</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-28 10:00:00Z">28 October 2024</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card card--post card--imageProfile"> <div class="row"> <div class="col-3 col-sm-4 card-img-container"> <a href="/the-long-read/1160/why-registering-under-canadas-retail-payments-activities-act-has-a-multitude-of-benefits" arial-label="Read article: Why registering under Canada’s Retail Payments Activities Act has a multitude of benefits" > <img src="/finextra-images/oped/1160.jpg" class="card-img" alt="Why registering under Canada’s Retail Payments Activities Act has a multitude of benefits" /> </a> </div> <div class="col-4 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl03_hBlogger" aria-label="link to author: Madhvi Sonia" href="/bloggers/105027"><div class="blue-tick"><img id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl03_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_105027_madhvi_mavadiya.jpg" alt="Madhvi Sonia" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 col-sm-8 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl03_hMember" aria-label="link to author: Madhvi Sonia" href="/bloggers/105027">Madhvi Sonia</a> Head of Content at Finextra</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl03_hTitle" aria-label="Read article: Why registering under Canada’s Retail Payments Activities Act has a multitude of benefits" href="/the-long-read/1160/why-registering-under-canadas-retail-payments-activities-act-has-a-multitude-of-benefits">Why registering under Canada’s Retail Payments Activities Act has a multitude of benefits</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-24 08:00:00Z">24 October 2024</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div> <div class="card card--post card--imageProfile"> <div class="row"> <div class="col-3 col-sm-4 card-img-container"> <a href="/the-long-read/1147/the-uks-legislative-approach-substance-over-style" arial-label="Read article: The UK’s legislative approach: Substance over style" > <img src="/finextra-images/oped/1147.jpg" class="card-img" alt="The UK’s legislative approach: Substance over style" /> </a> </div> <div class="col-4 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl04_hBlogger" aria-label="link to author: Chris Holmes" href="/bloggers/lord-chris-holmes"><div class="blue-tick"><img id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl04_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_133284_chris_holmes.jpg" alt="Chris Holmes" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 col-sm-8 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl04_hMember" aria-label="link to author: Chris Holmes" href="/bloggers/lord-chris-holmes">Chris Holmes</a> Peer at House of Lords</p> <h3 class="card-title h6"> <a id="ctl00_ctl00_body_main_LatestSummary_rItems_ctl04_hTitle" aria-label="Read article: The UK’s legislative approach: Substance over style" href="/the-long-read/1147/the-uks-legislative-approach-substance-over-style">The UK’s legislative approach: Substance over style</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-11 11:21:00Z">11 October 2024</time> <span class="card-channels"> <a href="/channel/regulation" class="card-channel-link" arial-label="link to channel: /channel/regulation">/regulation</a> </span> </p> </div> </div> </div> </div>  <div class="cta-row cta-all-longread"> <a id="ctl00_ctl00_body_main_LatestSummary_hSeeAll" href="/latest-long-reads/regulation">See all /regulation Long Reads</a> </div> </div> </div> </section>  </div>  <div class="col-12 col-xl-2">  <div class="button button-secondary content-box desktop" ><h4>Contributed</h4><p>This content is contributed or sourced from third 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