Measure · Podcast
Demystifying open banking and pay by bank
A PAYMENTS FM conversation with Anubhav Pradhan about adoption, trust, and the evidence teams should examine before scaling pay by bank.
By PAYMENTS FM · · 40-minute podcast
About the conversation
ShiftMate co-founder Anubhav Pradhan joins PAYMENTS FM to examine open banking and pay by bank as a complete operating experience rather than simply a lower-cost payment option.
The conversation connects product design, authentication, conversion, refunds, support, settlement, and finance. Those dependencies determine whether a promising payment method produces durable value for the customer and the institution.
The measurement implication
Before expanding volume, teams need to compare conversion, authentication drop-off, support demand, settlement behavior, and net cost impact. A result that improves one line item while weakening the rest of the journey is not ready to scale.
The broader lesson applies beyond payments: new technology earns broader exposure when the evidence holds across the full workflow.
Continue the work
Use the governed proof-of-value guide to define the evidence and decision gates for a limited production test.