–o€e­er, I ha­e rea ised that this ‘access cha enge’ is ‰eyond the reach of my ­oice a one‚ It is not ™ust a case of ra ying ser­ices such as Faster Payments, ‰ut engaging in con­ersation €ith the Payment Systems Regu ator (PSR, core techno ogy ro­iders such as ŒocaœinŽ and u timate y the “anŽ of Eng and (“oE‚ This is not a ™o‰ for one man a one‚ For that reason, I ha­e ‰een an acti­e mem‰er of the Emerging Payments Association (EPA for the ast t€o years in order to harness the suort and ‰acŽing of ayments ‰usiness founders and industry e”erts €ho share my ­ie€ and €ant to dri­e for€ard fair and ežua access to ayments infrastructure for a ternati­e ayments ro­iders‚ Ÿo€, as the Chairman of the EPA, I aim to harness the ­oices of o­er ƒ¡ mem‰ers, €ho see that inno­ation in ayments režuires co a‰oration‚ As art of this mission, I ha­e de­ised the fo o€ing reort, €ith insights from the EPA’s mem‰ers, €hich out ines our conso idated ­ie€s on ho€ to ‰ui d a ayments system that €orŽs for the ‰anŽs – €ithout e”c uding the increasing y influentia a ternati­e ayment ro­iders‚ Ÿ“‚ £irect Access as €e are defining in this €hite aer (and secifica y in the  refers to gaining direct mem‰ershi to infrastructures such as “ACS and Faster Payments and most imortant y, direct sett ement accounts €ith the “oE‚ Payment infrastructure: a call for fair and equal access for FinTech | 3