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
ArticleRetail doesn't work in silos. Neither should your leaders
01 Apr 2026- Member Access
ArticleMarch BRC Finance Community Call - summary
30 Mar 2026
ArticleGovernment announces decisions on Prompt Payments
27 Mar 2026- Member Access
ArticleBRC Payment Survey 2026 - for member completion
24 Mar 2026
BlogFree tool: assess your organisation's change readiness
24 Mar 2026
ArticleChanges to Contactless Limits
12 Mar 2026- Member Access
ArticleGovernment launches new Fraud Strategy
11 Mar 2026
ArticleDigital Pound: latest developments and implications for retail payments
11 Mar 2026
BlogYou can't pour from a empty cup
10 Mar 2026- Member Access
ArticleCredit Information Governance Reform and Regulatory Update – BRC Credit Group
04 Mar 2026
Upcoming Events
EventWebinarThe investment that keeps paying dividends: from Summer School to the shop floor
Tue 14 April09:30 - 10:30Livestorm
EventGovt Prompt Payments decisions - meet DBT
Thu 16 April11:00 - 12:00Teams
EventWebinarDecisions in Risk: Insurance as a strategic tool
Tue 21 April11:00 - 12:00Livestorm
EventWebinarBuilding bench strength before you need it
Wed 29 April11:00 - 12:00Livestorm
EventConferenceCommunity MeetingBRC Finance Community Horizon Scan
Wed 13 May12:00 - 17:00The Form Rooms, Covent Garden
EventRoundtableReceptionBRC CEO Exchange Forum on Cyber Security
Wed 20 May15:00 - 18:00The Form Rooms
EventLeadership ProgrammeBRC Leaders Summer School 2026
Mon 1 Jun - Fri 31 JulThe Form Rooms, London
EventRoundtableBRC - Bank of England Directors' Round Table
Wed 30 September12:30 - 14:00Bank of England, Threadneedle Street, London EC2R 8AH
What our members say


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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