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Real-Time Payments: Pre-Verification Helps, In-Flight Detection Matters Most | Part 6 | Bottomline VeChain Flips dApps Playbook With Launch of VeFounder BMLL Introduces Industry-first Trades Plus Dataset in Response to Key Client Challenge to Achieve Execution Analysis at Scale Octopus Money Onboards New AI Assistants: Harry, Ron and Hermione Revolut Adds Pay by Bank Option to Their Payment Gateway Scalable Capital is Now a Bank Mastercard Survey: 90% of SMEs That Accept Digital Payments in Puerto Rico Report Significant Business Growth PensionBee’s Pension Landscape 2025: South-East Savers Outperform Other Regions, While Gender Gap Remains Widest Outside London CloudWalk is Four Times More Efficient Than Incumbents, Says Atlantico Report Hummingbird Introduces Unified Risk & Compliance Platform with New Solutions For Transaction & Risk Monitoring and Customer Screening Proposed Contactless Changes Could Increase Convenience for Consumers Mastercard Unveils New Tools and Collaborations to Power Smarter, Safer Agentic Commerce CLARA Analytics Launches First Intelligence-as-a-Service to Put Insurers in Control Global Payments Launches Genius™ in the UK More Than 8 in 10 UK SMEs Would Pay for Digital Company ID – CFIT Research

July 30 2025

The Future of Competitive Advantage in Banking and Payments | Part 1 | Bottomline

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Mike, founder of Northey Point and the former CEO of Bacs Payment Schemes Limited. He has an established reputation as a thought leader in payments innovation, real time infrastructure and regulatory change within financial services. After spending decades leading innovation across UK and European payments, Mike continues to apply deep levels of insight into many of the most pressing issues facing the payments industry. 

In the most recent report – The Future of Competitive Advantage in Banking and Payments – which Bottomline have led on a global basis, Mike explores findings from over 500 senior payments professionals from banks, FIs and fintechs. In exploring the findings the report found that legacy infrastructure is a huge barrier to adoption of real time payments (30% of 500 participants even consider it is a dreaded barrier!) and in terms of compliance to changing mandates – 93% of participants are concerned they will not meet requirements.

At the heart of this really is ISO 20022 – it represents a transformational touchpoint shifting thinking at every link in the payments value chain. With the SWIFT November 2025 date looming, Mike is indicating its the time for the industry to move on from strategy to execution, particularly around end to end readiness/enrichment of data and other operational aspects.

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Zhenya Winter, Bottomline | Fintech Finance

Zhenya Winter

Bottomline
Mike Chambers

Mike Chambers

Northey Point

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Northey Point

Northey Point
  1. Real-Time Payments: Pre-Verification Helps, In-Flight Detection Matters Most | Part 6 | Bottomline

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  2. VeChain Flips dApps Playbook With Launch of VeFounder

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  3. BMLL Introduces Industry-first Trades Plus Dataset in Response to Key Client Challenge to Achieve Execution Analysis at Scale

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  4. Octopus Money Onboards New AI Assistants: Harry, Ron and Hermione

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  5. Revolut Adds Pay by Bank Option to Their Payment Gateway

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