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
ArticleBRC response to consultation on the future of the PSR
04 Nov 2025
Associate InsightNavigating Volatility with Trade Credit and Surety
28 Oct 2025
ArticleFeeling Ahead and Its Impact on Executive Skills for Senior Leaders
27 Oct 2025- Member Access
ConsultationBRC response to consultation on Late Payments
23 Oct 2025 - Member Access
ArticleBRC response to FCA proposals on contactless limits
16 Oct 2025 - Member Access
ConsultationDraft Response - Late Payments Consultation
13 Oct 2025
ArticleMaking tax digital for income tax
10 Oct 2025- Member Access
ArticleYour feedback sought on consultation on the future of the PSR
10 Oct 2025
Associate InsightSupply chain resilience: strategies for dealing with supply chain challenges in retail
07 Oct 2025
Associate InsightAgentic commerce: shaping the next phase of payments
01 Oct 2025
Upcoming Events
EventMasterclassLearning ProgrammeIn PersonEventSustainability Reporting Masterclass
Tue 11 November09:00 - 17:30The Form Rooms
EventExternal EventMerchant Hub Workshop - How to Make Payments Profitable and a Strategic Focus
Wed 12 November10:00 - 12:00The Form Rooms, 22 Tower Street, London, WC2H 9NS
EventWebinarSucceeding in a Challenging Retail Landscape: Leading through policy and market volatility
Tue 18 November11:00 - 12:00Livestorm
EventCommunity MeetingNovember 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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