Project Inclusion

Project Inclusion is supported by our Benefactor:

Mission Statement: To drive industry activity to address financial exclusion, informs and collaborates with government and third sector bodies to provide clarity on PayTech innovations and solutions that reduce financial exclusion and the poverty premium, and encourages the payments industry to develop financially inclusive products.

Project Inclusion will address five policy areas:

1. Digital and financial inclusion
Financial inclusion is essential for anyone wanting to participate fairly and fully in everyday life. Without access to appropriate mainstream financial services, people pay more for goods and services and have less choice. The impact of exclusion is not just financial. It also affects education, employment, health, housing, and overall well-being. Increased digital delivery of financial services threatens to exacerbate the exclusion problem.

2. Immigration
Net migration to the UK is at an all-time high. Delivering financial services to a growing immigrant population that includes political refugees who often do not have the official paperwork or proof of identity required by financial institutions is a significant challenge for local and central Government.

3. Cash economy and tax avoidance
The UK Government wants to strengthen existing rules against tax avoidance schemes employed by individuals as well as business by introducing a General Anti-Abuse Rule (GAAR). This aims to act as blanket legislation to allow the taxman to differentiate between what counts as responsible tax planning and what is abusive tax avoidance. An advisory group on the issue has now been set up, with the government intending to bring in the GAAR into action.

4. Better banking accessibility
Agility and innovation in the Financial Sector for consumers and small businesses is increasingly gaining headlines in the national press. Government initiatives such as the New Access Model for the Faster Payments scheme is engineered to drive down the cost of real-time domestic payments and drive competition within the sector.

5. Homelessness
Official statistics put the number of “accepted homeless” cases at about 52,000. Unofficial statistics place the number of cases well above 100,000. Effective management and distribution of benefits and tools for individuals to manage their finances is of interest to local and central government.

Project activities
The Project will achieve this by:

  • Understanding the concerns of local and central Government representatives
  • Providing information and thought leadership through articles, White Papers and blogs in media read by government and parliamentary officials
  • Meeting stakeholders in those areas where PayTech impacts Government
  • Lobbying the lobbyists to raise the EPA’s profile and promote emerging payments

Project Inclusion Team


Josh Berle – Business Development Director, Mastercard


Neil Harris – Chief Commercial Officer, Global Processing Services


Team Members

Emily Utton – Vice President of Partnerships, Tribe Payments
Jos Henson Gric – Brand and Communications Manager, Pockit
Ravindra Meshram – Channel Director, Epiphany
Anne Pieckielon – Chief Executive Office, The Inclusion Foundation
Simon Thomas – Prepaid Product Manager, allpay
Ross Borkett – Head of Post Office Card Account, Post Office
Sophie Cairns – Partnership and Product Marketing Manager, Monese
Mahmood Kamran – Co-Founder, Arro Money