https://simplecast.com Payments don’t get a second chance. They have to work, every time. Payments Cannot Fail is a podcast from Form3 exploring the systems, infrastructure and decisions that keep money moving across the global economy. Hosted by Form3 CRO Mark Fieldhouse, the series brings together industry leaders to examine the challenges shaping modern payments, from resilience and regulatory pressure, to instant payments adoption across the UK, Europe and the US. Each episode goes beyond the surface to uncover the structural issues facing banks and fintechs, and what it takes to build payments infrastructure that truly cannot fail. Form3 en Wed, 7 Oct 2026 23:49:04 +0000 Wed, 7 Oct 2026 23:49:14 +0000 https://payments-cannot-fail.simplecast.com https://image.simplecastcdn.com/images/451e198a-ef7e-4ef0-a252-aa03dc471081/1fd3b0ed-5e53-42a9-ab31-efd691d343c8/3000x3000/cropped-1790098973955.jpg?aid=rss_feed https://payments-cannot-fail.simplecast.com episodic Payments don’t get a second chance. They have to work, every time. Payments Cannot Fail is a podcast from Form3 exploring the systems, infrastructure and decisions that keep money moving across the global economy. Hosted by Form3 CRO Mark Fieldhouse, the series brings together industry leaders to examine the challenges shaping modern payments, from resilience and regulatory pressure, to instant payments adoption across the UK, Europe and the US. Each episode goes beyond the surface to uncover the structural issues facing banks and fintechs, and what it takes to build payments infrastructure that truly cannot fail. Form3 false https://feeds.simplecast.com/OHPrFRvm banking,financial services,fintech,payment technology,payments,payments leadership Form3 priscilla.chiu@form3.tech 9f93ed9f-6c25-44ba-8afd-9c6c823c33af Wed, 7 Oct 2026 23:49:04 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/episode-7-human-by-design-MDmyWefs Episode 7: Human By Design | Payments Cannot Fail ft. Anna Savage Form3 00:21:19 In Episode 7 of Payments Cannot Fail, Anna Savage, Chief People Officer at Form3, joins Form3 CRO Mark Fieldhouse to discuss why reliable payments depend on more than technology and infrastructure. Anna explores how organizational design, clear ownership, decision-making and effective collaboration all contribute to operational reliability. She also discusses how AI is changing expectations, why trust and authenticity must be designed into remote hiring processes, and what high performance looks like in an increasingly complex, AI-enabled world. In Episode 7 of Payments Cannot Fail, Anna Savage, Chief People Officer at Form3, joins Form3 CRO Mark Fieldhouse to discuss why reliable payments depend on more than technology and infrastructure. Anna explores how organizational design, clear ownership, decision-making and effective collaboration all contribute to operational reliability. She also discusses how AI is changing expectations, why trust and authenticity must be designed into remote hiring processes, and what high performance looks like in an increasingly complex, AI-enabled world. false full 7 1c8660d6-761d-4098-95e8-c32d8c175eb3 Thu, 24 Sep 2026 22:26:44 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/the-invisible-side-of-payments-Hi08GX1X Episode 6: The Invisible Side of Payments | Payments Cannot Fail ft. Otto Benz Form3 00:28:08 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 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. false full 6 322996f3-67c4-4aa7-9339-3bfd6ed54f74 Thu, 24 Sep 2026 22:26:36 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/from-payment-rails-to-connectivity-UzJZyIUD Episode 5: From Payment Rails to Connectivity | Payments Cannot Fail ft. David Watson Form3 00:24:08 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 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. false full 5 343ed27a-4e29-454b-95eb-5bbdf3cfbb6b Thu, 24 Sep 2026 22:26:23 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/the-future-in-motion-ly5gGKEA Episode 4: The Future in Motion | Payments Cannot Fail ft. Paul Horlock Form3 00:32:59 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 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. false full 4 bcd2a3f9-7059-4eb7-9677-897f446d5219 Thu, 24 Sep 2026 22:26:13 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/resilience-at-real-time-scale-BQscEjKz Episode 3: Resilience at Real-Time Scale | Payments Cannot Fail ft. Edward Wilde Form3 00:27:55 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 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. false full 3 f5731443-6b0a-413e-b323-43491a6f25e7 Thu, 24 Sep 2026 22:26:03 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/who-are-you-really-building-products-for-fug1O62F Episode 2: Who Are You Really Building Products For? | Payments Cannot Fail ft. Dave Scola Form3 00:27:11 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. 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. false full 2 c3852ca1-01e4-43e6-a6bd-d7f61bb1ffa3 Thu, 24 Sep 2026 22:07:51 +0000 priscilla.chiu@form3.tech (Form3) https://payments-cannot-fail.simplecast.com/episodes/the-problem-beneath-the-problem-s8uM3XuO Episode 1: The Problem Beneath the Problem | Payments Cannot Fail ft. Mike Walters Form3 00:25:35 In the first episode of Payments Cannot Fail, host Mark Fieldhouse sits down with Form3 CEO and co-founder Mike Walters to explore why Form3 exists, and the fundamental challenges it was built to solve. They discuss the critical role payments play for consumers, businesses and the global economy, and why resilience is not optional in modern financial infrastructure. Mike explains the “problem beneath the problem” facing banks and fintechs managing high payment volumes, and what needs to change to ensure payments truly cannot fail. In the first episode of Payments Cannot Fail, host Mark Fieldhouse sits down with Form3 CEO and co-founder Mike Walters to explore why Form3 exists, and the fundamental challenges it was built to solve. They discuss the critical role payments play for consumers, businesses and the global economy, and why resilience is not optional in modern financial infrastructure. Mike explains the “problem beneath the problem” facing banks and fintechs managing high payment volumes, and what needs to change to ensure payments truly cannot fail. false full 1