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The future of UK household payments (and what it means for Universal Credit)


The future of UK household payments

The ability for households to make payments however and whenever they like is the key to successful income collection, new research into UK bill payment trends shows.

Flexibility really is the future with mobile payments catching up fast with cash, cards and Direct Debit. But it's the ability to offer a diverse range of payment options to different demographics that will ensure the rent gets paid with the launch of Universal Credit full service on our doorstep.

The full results of the research – looking at the behaviour of thousands of UK bill payers – will be revealed at these exclusive events in February, held in association with allpay.

And it's not only the roll out of the new benefits system that social housing providers need to think about. Details are about to be announced of the New Payments Architecture (NPA) that is set to revolutionise the UK payments industry.

With a focus on NPA and future trends, the day will explore how housing associations, local authorities and other organisations can use new approaches to maximise income, reduce arrears and improve customer engagement.

Key sessions include:

  • How people pay now – consumer research from TLF drilling into the behaviour of UK bill payers including homeowners and social renters
  • New Payments Architecture (NPA) – the latest technology and what’s coming next – looking into potential new payment methods available via the opening up of banks' APIs
  • Request to Pay – and how it could work for housing providers
  • Data security and compliance within the New Payment Architecture environment
  • The role of notifications in making payments.


  • Steve Pilmoor and Gary Scott, Universal Credit Programme – external relations, DWP
  • Dave McPhee, Head of Policy, New Payment System Operator (NPSO)
  • Carl Packman, Research and Good Practice Manager, Toynbee Hall
  • Carole Galsworthy, Director of Housing, ICT, BI, Comms and Marketing and Innovation, Halton Housing Trust
  • Ross Macmillan, Head of Research and Intelligence, allpay.

About NPSO

The New Payment System Operator has been set up to develop the capability and capacity of the UK's retail payment systems.

Incorporated on 18 July 2017, NPSO Limited has been created to consolidate Bacs Payment Schemes Limited (Bacs), Faster Payments Scheme Limited (FPSL), and the Image Clearing System (ICS), which will replace the paper processing system for cheques currently managed by the Cheque & Credit Clearing Company (C&CCC).

The New Payments Architecture (NPA) will be the biggest change to the way payments are processed in the UK since the 1960s, ensuring payments are safe whilst also encouraging competitive innovation and unlocking new business opportunities in everything from smarter uses of banking and payment data, through to new transactional services.

About UK Finance

UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments-related services in or from the UK. UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association.

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Delegate fees:
Full price: £209.00 *
Members of any HQN network: £179.00 *
Early Bird: £195.00 *

* Please note that all prices are subject to standard VAT. Please call 0845 4747 004 for more information. Early bird ends Friday 12 January 2018.

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