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 the consultation on the delivery of the BICS scheme for eligible energy intensive industries
14 May 2026
Associate InsightInsurance as a Strategic Tool for Retailers
13 May 2026
Press ReleaseBRC responds to King's Speech - Politics must not “get in the way of the immediate action needed”
13 May 2026
Associate InsightTikTok Shop and UK VAT for Overseas Sellers: Who Is Responsible?
07 May 2026- Member Access
ArticleMember feedback sought on UK Finance terminal accessibility draft code of practice and recommendations
07 May 2026 - Member Access
Meeting NotePayment practices proposals - BRC DBT Meeting Note
07 May 2026
Associate InsightHow can VAT strategy support sustainable e‑commerce growth?
05 May 2026- Member Access
ArticleApril Finance Community call meeting summary and slides
30 Apr 2026
ArticleStreamlining payments regulation: FCA will take on the role of payments regulation
24 Apr 2026
ArticlePSR card fees reviews: latest update and next steps
21 Apr 2026
Upcoming Events
EventRoundtableReceptionBRC CEO Exchange Forum on Cyber Security
Wed 20 May15:00 - 18:00The Form Rooms
EventWebinarEnergy, Inflation and the Consumer: What the Middle East Crisis Means for You
Thu 21 May11:00 - 12:00Livestorm
EventLeadership ProgrammeBRC Leaders Summer School 2026
Mon 1 Jun - Fri 31 JulThe Form Rooms, London
EventConferenceCommunity MeetingIn PersonBRC Finance Community Horizon Scan
Wed 10 June12:00 - 17:00The Form Rooms, Covent Garden
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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