For an independent & informed insight into UK's payment landscape subscribe to my newsletter at: http://northeypoint.substack.comFollow me on Twitter: @_mike_chambers_Visit me at Northey Point: www.northeypoint.comMike Chambers is a recognised authority on retail payments and, as Chief Executive Officer, led Bacs Payment Schemes Limited (Bacs), the UK’s biggest retail payment system, from 2004 until 2018. During this time he successfully steered the company through a record number of payment processing, technological, regulatory and innovative customer proposition ‘firsts’ including extending Bacs’ product offering to include the ownership, management and market adoption of the Current Account Switch Service (CASS) and the Cash ISA Transfer Service. During his time at Bacs, Mike also led the UK’s systemically important RTGS payment system (CHAPS) as its CEO and operated the UK’s Faster Payment Scheme as its first Chief Executive creating the Payment System Operator (Faster Payment Scheme Limited). Mike was an integral part of the industry initiative which led to the New Payments Architecture (NPA) vision (including concepts such as Request To Pay and Confirmation of Payee), the regulatory endorsed merger of the UK’s retail payment schemes and the formation of Pay.UK. Having successfully merged Bacs into Pay.UK, Mike has developed a portfolio including roles as chairman, payments advisor, Non Executive Director, ambassador and he publishes a newsletter which provides an informed insight into the UK’s retail payments landscape. After over a decade as the Chief Executive Officer of the UK’s biggest retail payment system and bank account switching service Mike has embarked on a portfolio career.Mike also publishes a newsletter which provides an independent and informed insight into the UK’s retail payments landscape, including exclusive payment insights, hot topic briefings and fundamentals unpacked. Read, subscribe and share: northeypoint.substack.com