Finance Community

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 is increasing, meaning profits are under increasing threat. Whilst new payment types are being developed, promising increasing competition in the market with potential benefits for retailers, they also bring new regulations and complexities. The pace of change is fast! Alongside this, retailers face a challenging trading environment, with customer fraud on the increase and costs in other areas such as energy increasing.

Through the Finance Community, BRC members can understand these dynamics and maintain pressure on Government and regulators to ensure their voice is heard, influence developments in the sector and reduce the cost of doing business.

For examples of recent policy wins on behalf of members from this and other communities, check out our Member Value Statement 2026.

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Finance Community

Objectives

Securing increased competition and lower fees for merchants in the payments market.

Developing initiatives to tackle the rising prevalence of customer fraud and erroneous chargebacks.

Tackling the increasing impact of non commodity costs to lower energy bills.

Finance Community

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.

Customer Fraud

We share insights on customer fraud and work with relevant stakeholders to develop solutions.

Energy Costs

We share insights on rising energy costs, develop practical policy solutions, and advocate for government and regulator action.

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Finance Community

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

Finance

Latest Content

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Finance

Upcoming Events

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Don't just take our word for it...

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.
Giles HurleyCEO, UK & Ireland
A very effective business network that provides insight and coordinates industry opinion.
Nick OrrinCEO
The BRC continues to do an excellent job of supporting the retail sector and its individual members on a wide variety of issues.
Kari RodgersUK Retail Director
Adds a lot to our business, great sounding board, very well connected and able to influence.
Roisin CurrieCEO
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.
Peter WoodCEO

Finance

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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