Explore every episode of the podcast Payments Cannot Fail

In Episode 6 of Payments Cannot Fail, Otto Benz, Director of Customer Technology and Payments at Nationwide Building Society, joins Form3 CRO Mark Fieldhouse to discuss how banks can make payments simple, reliable and safe for customers. Otto explores Nationwide’s member-owned purpose, operational resilience, payment recovery, fraud prevention, Confirmation of Payee and the balance between speed and customer protection. He also discusses how AI can support fraud detection and banking operations, and why financial institutions must innovate without compromising trust or reliability.

In Episode 5 of Payments Cannot Fail, David Watson, President & CEO of The Clearing House, joins Form3 CRO Mark Fieldhouse to explore how payment infrastructure is evolving from traditional payment rails towards a world of connected value. As tokenized deposits, stablecoins and other forms of digital money emerge, David shares his perspective on how the industry can innovate while preserving the trust, reliability and resilience at the heart of the financial system. The conversation covers real-time payments, interoperability, operational resilience, cybersecurity, fraud and AI — and what these developments mean for the future of payments.

In Episode 4 of Payments Cannot Fail, Santander UK's Chief Payments Officer, Paul Horlock, joins Form3 CRO Mark Fieldhouse to explore how banks are transforming payments while keeping the financial system running every second of every day. Drawing on his experience leading both Pay.UK and now Santander UK's payments strategy, Paul shares a unique perspective on balancing innovation with resilience, modernising infrastructure without disrupting customers, and meeting the ever-growing expectations of a real-time world. The conversation explores the future of payments—from AI and operational resilience to build-versus-buy decisions, global real-time payments, and the partnerships shaping the next generation of banking.

In Episode 3 of Payments Cannot Fail, Form3 CTO Edward Wilde joins CRO Mark Fieldhouse to discuss what it really takes to build resilient payments infrastructure in an always-on, real-time economy. From hidden third-party risks and cloud outages to scaling instant payments globally, Edward explores why resilience must be built into the DNA of both technology and teams from day one. The episode also highlights the real-world impact of payments failures — and why operational resilience is now a strategic priority for banks and fintechs alike.

In Episode 2 of Payments Cannot Fail, Form3 US CEO Dave Scola explores how rising expectations around instant payments are reshaping the banking landscape in the US. As customer behavior shifts, payments are increasingly tied to the moment of service, not days or weeks later. In this episode, Dave discusses what this means for banks, and why delivering fast, reliable payment experiences is becoming critical. From the reality that customers only care whether a payment works, to the potential role of government initiatives like FedNow, the conversation highlights the forces driving change across the ecosystem. Dave also explains why banks must evolve into truly omni-channel organizations to meet modern expectations, and how Form3 is architecting for that future.