London is increasingly touted as the global home of financial technology. As the UK trade body representing new payments companies, the Emerging Payments Association (EPA) sits between some of the world’s most progressive startups, incumbents and the regulators. Aiming to help a growing community of payments disruptors influence the industry and get access to the buyers, sellers and partners they need to develop their businesses, the EPA is at the heart of the region’s flourishing fintech ecosystem. Tony Craddock is the EPA’s director general. During an interview in the Finetics™ Studio at Money20/20 in Las Vegas, he talks regulation in Europe versus the US, challenging the big banks, education and what’s next for payments in 2016.