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🎙️ Host: Donna Blum, BHMI 🎙️ Guest: Greg Lloyd, Senior Client Partner at Endava In this episode of Pioneers in Payments, host Donna Blum sits down with Greg Lloyd of Endava to explore the future of payments, technology, and innovation. Greg has spent most of his career in financial services and payments consulting and now serves as Senior Client Partner at Endava, a global strategy and technology services firm focused on banking, capital markets, and the payments ecosystem. Endava helps payment processors modernize card platforms, supports financial institutions implementing real-time payments, and drives transformation across industries including automotive, supply chain, retail, and travel. Greg highlights one of the most notable trends shaping the payments industry today: Agentic Commerce. As consumer AI begins interacting directly with retailer AI, the way we shop will fundamentally shift over the next 50 years, potentially transforming everything from decision-making to impulse buying. He also shares why instant payments represent the biggest opportunity for organizations right now. With countless apps and ecosystems still disconnected, the race is on to be the first to seamlessly tie everything together. Greg discusses one of the industry’s biggest challenges, which is making vast amounts of data both accessible and useful. He explains why this is key to delivering real value and improving customer experiences. He also offers his “silver bullet” advice: stop letting business cases hold you back. Payments evolve too quickly for organizations to get stuck in analysis mode. Fintechs thrive because they start fresh without the weight of legacy systems slowing progress. Tune in for an insightful conversation about trends, opportunities, and the bold thinking required to lead the next era of payments innovation. Connect with Greg Lloyd on LinkedIn at / gregoryjlloyd About Endava: Endava is a global technology and consulting company that helps businesses accelerate digital transformation and bring innovative products and services to market. With deep expertise across the banking, payments, capital markets, insurance, retail, mobility, and media industries, Endava combines strategic insight, modern engineering, and world-class delivery to help organizations evolve and thrive in an increasingly digital world. You can learn more about Endava at https://endava.com/. About BHMI: BHMI is a provider of software solutions for managing the back-office processing of electronic payment transactions. The company's flagship product, the Concourse Financial Software Suite®, offers a dynamic and flexible solution for processing a wide range of payment types, including debit cards, credit cards, mobile payments, P2P, real-time payments, ATMs, and POS. Concourse provides essential back-office functions such as automated reconciliation, settlement, fee assessment, and dispute management. Its continuous processing architecture and powerful rules engine make it an ideal solution for organizations looking to modernize and optimize back-office payment operations. You can learn more about BHMI at https://bhmi.com/. For more episodes with industry leaders shaping the future of payments, check out the Pioneers in Payments playlist: • Pioneers in Payments Let’s pioneer the future of payments together! #Endava #PioneersInPayments #BHMI #DigitalTransformation #PaymentsInnovation #Fintech #RealTimePayments #AgenticAI #AgenticCommerce