A fragmented AP process isn’t just inefficient—it’s risky. In this PaymentsJournal discussion, Marchelle Becher (Business Development Executive, B4B Payments) and Hugh Thomas (Lead Analyst, Javelin Strategy & Research) break down the hidden costs of disconnected systems. They share practical ways businesses can leverage modern payment solutions to improve efficiency, reduce errors, and strengthen financial oversight.
Outdated reimbursement models are costing businesses time and efficiency. This PaymentsJournal podcast explores how embedded payments are optimizing expense management. Susie Shyatt (Business Development Executive, B4B Payments) joins Hugh Thomas (Lead Analyst, Javelin Strategy & Research) to highlight how digital payment solutions give finance teams greater control, simplify employee experiences, and modernize expense processes.
Vertical SaaS is changing the game for mid-sized companies. In this PaymentsJournal podcast episode, Lori Breitzke (Head of U.S. Strategy, B4B Payments) and Hugh Thomas (Lead Analyst, Commercial Payments, Javelin Strategy & Research) dive into how industry-specific platforms are uniting finance, workflow, workforce management, and payments. The result? Streamlined operations and real-time outbound payments that help smaller firms compete with larger players.
When disaster strikes, speed and transparency in aid distribution matter most. This PaymentsJournal episode features Marchelle Becher (Business Development Executive, B4B Payments) and Jordan Hirschfield (Director of Prepaid, Javelin Strategy & Research) discussing how prepaid cards enable faster, safer relief for affected communities. They explore instant issuance, spend limits for targeted needs, and transaction tracking that bridges urgent response with long-term recovery.
In a recent Payments Journal podcast, Kieran Draper and Tom Jennings, the U.S. and EU/UK CEOs of B4B Payments, and Brian Riley, Co-Head of Payments at Javelin Strategy & Research, spoke about the strategies fintechs employ to ensure their solutions remain both effective and invisible to the user.
The show’s host, Rogier Rouppe van der Voort, explores Brian’s expertise in BaaS and how this breakthrough model is enabling companies to extend their services to provide customers and generate new revenue.
BaaS breaks the mould for the delivery of banking services. It gives non-financial institutions the ability to offer core banking services such as card issuance, payment acceptance and FX service. Thanks to BaaS, a business can launch its own banking services without having to go through the lengthy and costly process of attaining its own licence. They also avoid the need to build their own complex infrastructure for the delivery of those services.
Swedish startup Juni, which was listed as 2021’s fastest-growing fintech startup in Europe, is one of B4B’s most recent high-profile BaaS success stories.
‘BaaS has grown rapidly in recent years,’ explained Brian, ‘which has naturally attracted some new service providers into the market. With BaaS, organisations can quickly integrate banking functionalities into their existing products or services, eliminating the need for extensive development and regulatory hurdles.
‘BaaS is pushing innovation by allowing for the creation of tailored financial solutions that boost customer loyalty and engagement. Ultimately, it empowers businesses to scale efficiently, adapt to evolving market demands, and enter new markets with ease.’
The PCN podcast episode featuring Brian Lawlor is live, and you can catch it on all major platforms like Apple Podcasts and Spotify.
Power your payments vision with B4B Payments as your
Banking as a Service Provider.
Meet the team at Money 20/20 Europe at stand 8A 300.
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‘Why breaking up banking means better financial services’
Legacy banking services will be a hot topic when Brian Lawlor, Group Chief Commercial Officer, B4B Payments, is the special guest on the Tech People podcast in January.
B4B Payments offers Banking as a Service (BaaS) technology that enables businesses to provide the kind of financial services that previously only banks could offer.
‘We are helping to break apart the old model. Through BaaS, we allow organisations to offer new and improved access to those core banking services such as issuing cards, making payments, or FX – and it can be virtually any type of business that takes advantage of that. Not just banks or even financial service companies.’
Brian met the podcast’s host, Ken Coyne, at Money 20/20 USA in October last year, and Ken was interested in learning more about Brian and the ethics driving B4B Payments.
The podcast seeks to show ‘how diversity, creativity, and innovation, when nurtured in people, can lead to an unbeatable formula’. This series of interviews ‘share the experiences of some truly inspirational leaders on their journey to customer success.’
Brian joins a long list of previous guests from major organisations across different types of technology industries organisations. Recent podcasts have featured Diane Acevedo, SVP, Operations and Customer Experience at Gabb Wireless, speaking about how to overcome the negative impacts of technology on children. Owen Fitzpatrick spoke about leadership principles and the importance of what leaders believe rather than what they think. David Urban, CEO of Auctioneer, shared his views about AI and the future of coaching for founders.
Brian will be sharing stories and learnings from his professional journey, leadership insights and the principles driving B4B Payments today.
As part of his 20-year career, Brian has played vital roles in launching key fintechs, including Soldo, Revolut, Wise, Monzo and Juni. In 2020, Brian joined Banking Circle, which eventually acquired B4B Payments, an EMI in the UK and Lithuania and a principal member of both Visa and Mastercard. Following the acquisition, Brian assumed the role of Group Chief Commercial Officer at B4B Payments.
The benefits of BaaS are most widely felt across the whole eCommerce sector especially travel. Buyers can now not only choose the goods or services they want to buy but also select other banking products that might help them make their current purchase, such as a loan or apply for a card that rewards their future loyalty to their favourite brands.
B4B Payments have a long history of shaking up industries and cutting through red tape.
Migrant Help is an organisation that provides invaluable initial assistance to victims of modern slavery and trafficking.
Exploited individuals often don’t have the ability to open a typical bank account. So, physical cash handouts were given to migrants for immediate help. This presented obvious risk and security issues. A prepaid Mastercard was the perfect alternative – offering all the benefits of a cash-free system without requiring the paperwork and process of an individual bank account.
B4B Payments are helping to make businesses more competitive, as showcased by the services it provides to two Danish fintechs, OneMoneyWay (insert link) and Zento (insert link). They are using B4B technology to simplify corporate payments for SMEs, eliminating the lengthy processes and high costs typically associated with opening a corporate bank account in Denmark.
The episode of the Tech People podcast featuring Brian Lawlor will be published on (the 28 February) and available from all popular aggregators, including Apple and Spotify.
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