The AP+ POV Podcast

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.

How can we make sure young people are protected without locking them out of the digital world? Tony Allen, from the 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.

How can we make sure young people are protected without locking them out of the digital world? Tony Allen, from the 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.

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.

Dive into the real-world impact of PayTo through the lens of a corporate end-user who is already embracing real-time, data-rich payments on the NPP. 
 
On this episode, Mark Buckland, CEO of Dymocks Learning, explains how PayTo is streamlining operations and improving the customer experience. We’re also joined by Alison Chang, General Manager of Payments at CBA, who helped bring the Dymocks Learning solution to life. She shares insights on the implementation, integration, and what’s next for smart, real-time payments in Australia. 

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 cybersecurity 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.

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. 

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. Known for his insightful take on finance and technology, he 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. 

Guests: Brad Carr, Executive for Innovations & Partnerships, NAB and Andrew Black, Managing Director, ConnectID

Host: Dave Ellett, Chief Commercial Officer, AP+

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 host Dave Ellett are NAB’s Brad Carr and ConnectID’s 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. 

Guests: Ben Young, Head of Fraud Prevention, Westpac, Katrina Stuart, AP+

Host: Dave Ellett, Chief Commercial Officer, AP+

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.

Guests: First Assistant Secretary, Digital ID and Data Policy Division, Department of Finance, John Shepherd & MD, ConnectID Andrew Black / Hosted by Chief Commercial Officer Dave Ellett

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.

Guests: CEO Lynn Kraus & Chair Catherine Brenner / Hosted by Chief Commercial Officer Dave Ellett

In our first episode, our Chair, Catherine Brenner, CEO Lynn Kraus and regular host, Chief Commercial Officer Dave Ellett examine what trust is, and what it means to them individually and for AP+ as an organisation. We will be exploring the role trust plays at, meeting expectations, operational excellence, communication, monitoring & response, and integrity.