Finance Community
Business financing, card scheme and interchange fees, taxation, consumer credit
Navigating the transformation with shifting consumer behaviour, rising payment costs, and new payment types, which heighten competition and regulatory complexities.
Our industry is in transformation; consumer behaviour is shifting towards a digital economy, and the cost of handling payments and providing credit is escalating, meaning profits are under increasing threat. New payment types are being developed, increasing competition in the market and potential benefits for retailers, but also bringing new regulations and complexities.
Through the Finance Community, BRC members can understand these dynamics and maintain pressure on Government to reduce the cost of doing business.
Objectives
Securing increased competition and lower fees for merchants in the payments market.
Developing a minimal-risk model for merchants when processing offline payments.
Developing initiatives to tackle the rising prevalence of first-party fraud and erroneous chargebacks.
Working Groups
Within the Finance Community are the following Working Groups:
Payments Group
We look at payments issues and concerns, with a focus on card fees, access to cash, and open banking.
Consumer Credit Group
We look at any issues arising within the consumer credit world, including buy-now pay-later.
Members
The following key roles and the teams that report into them:
Finance Directors
Payment Architects
Treasury/Payments/Compliance Managers
Senior Commercial Finance Managers
Insights/CX/UX specialists
Associate Members
Latest Content
- Member Access
ArticleBRC response to UK Finance Discussion Paper on payment terminal accessibility
25 Sep 2025 - Member AccessArticle
Draft response to FCA consultation on contactless limits
25 Sep 2025 - Member AccessMeeting Note
Member Meeting on Late Payments Consultation
24 Sep 2025 - Member AccessArticle
Feedback sought on UK Finance discussion paper on improving card payment accessibility
22 Sep 2025 - Member AccessArticle
Slides from September Finance Community call
18 Sep 2025 - Member AccessMeeting Note
Challenging First-Party Fraud: Real Retail Solutions in a Changing Landscape
17 Sep 2025 
Associate InsightHow employee health and financial wellbeing challenges are affecting retail industry labour shortages
16 Sep 2025- Member AccessArticle
Feedback sought on UK Finance “Enhancing Accessibility in Card Payments” proposals
12 Sep 2025 - Member AccessArticle
Treasury Consults on the Future of the Payment Systems Regulator
12 Sep 2025 - Member AccessArticle
FCA launch Consultation on Contactless Payment Limits
12 Sep 2025
Upcoming Events
EventRoundtableBRC - Bank of England Directors' Round Table
Thu 25 September12:30Bank of England, Threadneedle Street, London EC2R 8AH
EventExternal EventConferenceDiscover the Future of Retail at IET London: Savoy Place
Wed 1 October12:00 - 17:15IET London: Savoy Place, 2 Savoy Place, London, WC2R 0BL
EventJoin the Small Business Commissioner to discuss Payments Proposals
Thu 2 October11:00 - 12:30Teams
EventMasterclassLearning ProgrammeIn PersonEventSustainability Reporting Masterclass
Tue 7 October09:00 - 17:30The Form Rooms
EventCommunity MeetingOctober Finance Community meeting
Thu 16 October10:30 - 11:30Teams
EventWebinarSucceeding in a Challenging Retail Landscape: Leading through policy and market volatility
Tue 18 November11:00 - 12:00Livestorm- EventCommunity Meeting
November Finance Community meeting
Thu 20 November10:30 - 11:30Teams
What our members say
The BRC allows a fiercely competitive sector to come together on some of the most important issues of the day. When it focuses on the long term topics that require well considered political and legal change it is at its most effective.
The BRC is invaluable in bringing retailers together to discuss crucial topics and then lobby the retailer message to government on our behalf. The BRC’s media presence and focus on promoting the interests of retailers allows us to align on issues impacting the sector.
A very effective business network that provides insight and coordinates industry opinion.
The BRC continues to do an excellent job of supporting the retail sector and its individual members on a wide variety of issues.
Adds a lot to our business, great sounding board, very well connected and able to influence.
A positive and considered voice for our industry, useful learning/ business-focused communities that help our team in their roles, and data insights that help us benchmark our performance.
Community Manager
Chris Owen
Policy Adviser - Finance
Chris manages the BRC’s Finance Community and has recently joined the organisation after working in public policy roles for a range of companies and organisations, including TikTok, Which? and Ofcom. He has extensive knowledge of current digital policy matters and online advertising regulations and has extensive experience in engaging with government and regulators, advocating for better consumer outcomes in markets and in shaping legislation.
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