Episode 14

Unleashing the Power of AI, Sustainability and Programmable Money | Tony Craddock, Director General of the Payments Association

My guest today is Tony Craddock, the Director General of the Payments Association, an award-winning community to advance payments innovation, and encourage collaboration across the payments industry. We talk about mindset, AI and programmable money, Sustainability, making payments more efficient and encouraging more responsible and sustainable spending for all.

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👉 You can find Tony here

👉 And you can find Monica here:

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In this episode we cover:


(0:00:00) Future of AI: programmable money with digital currencies

(0:02:33) Definition of success: doing what you love

(0:03:34) Dealing with tough times: redefine performance criteria

(0:09:12) Building purposeful FinTechs: it's our duty to have purpose

(0:11:48) Starting the payments community and Emerging Payments Awards

(0:15:01) Impact of the payments association on individuals and companies

(0:17:22) The role of payments in improving the world

(0:19:58) Short, medium, and long-term impact of AI on payments

(0:22:15) Personalized services and packages

(0:24:54) Excitement about programmable money and smart contracts

(0:26:50) Potential use cases for programmable money

(0:32:30) Challenges and opportunities for the payments industry in ESG

(0:36:36) Importance of empathy, engagement, and loyalty for sustainable growth.

(0:37:20) Building a strong team and community within the business

(0:38:21) Innovating the model for future communities

(0:40:44) Inspiring and enabling people to go beyond their limits

(0:43:05) Stepping out of comfort zones and exploring new possibilities


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Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com


Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

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About your host

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Monica Millares

Monica advocates for financial safety for all. She is the Product Principal at BigPay, where she leads Product and Design. As part of the founding team, Monica led building BigPay’s product from zero to one, to multi product line, and international expansion. Her leadership shaped the culture and ways of working to grow from startup to scaleup. BigPay has over 1.4 million customers, and has presence in Malaysia, Singapore and Thailand.

Monica has almost 20 years’ experience in Financial Services. Prior to BigPay, she was one of the first joiners in UK’s challenger Tandem Bank, where she focused on building credit cards from scratch. Previously she worked in leading Financial Services brands like Visa, Barclays, and a Mexican Development Bank.

She sits on the Board of PayEd, and is recognised as Singapore’s #Fintech65 Product Leaders and Women in FinTech. She’s been multiple times speaker at the prestigious conference Money2020 and shared stage with JP Morgan, Standard Chartered Bank, Konsentus, and Money2020’s Rise Up. Her commitment to innovation and financial inclusion resonates in her podcast “Purpose Driven FinTech” where she explores how FinTech’s can have 10x more impact.

Monica has a background in Engineering and a Master’s Degree on Analysis, Design, and Management of Information Systems from the London School of Economics.