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Patrick Bermingham's Blog
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Patrick Bermingham

CEO
Adflex
Member since
23 Apr 2018
Location
London
Followers
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9
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Patrick Bermingham is CEO at Adflex. He has over 20 years' experience in the payments industry, overseeing the growth and development of Adflex as a premier B2B payments service provider.

Experience

CEO
Adflex
To Present
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Latest opinions

Patrick Bermingham

Are we entering the era of “slower payments”?

For decades, the financial services industry has been racing toward faster payments. The UK’s pioneering Faster Payments Service began delivering Real Time Gross Settlement (RTGS) as early as 2008; in the US, the Clearing House launched its RTP network in 2017, the same year the European Union introduced SEPA Instant Credit Transfer (SCT Inst); an...

10 June 2025

Patrick Bermingham

What trends will dominate the B2B payments world in 2025?

The beginning of the end for Direct Debits and Card on File? In mid-2025, expect to see the first implementations of commercial Variable Recurring Payments (cVRPs) in the UK, beginning with regulated industries that already have strong consumer protections, such as payments to utility companies, governments and charities. Until now, VRPs have la

24 February 2025

Patrick Bermingham

The AI Act: what impact will Artificial Intelligence really have on B2B payments?

Visit any social media newsfeed and countless posts will tell you that AI means “nothing will ever be the same again” or even that “you’re doing AI wrong”. The sheer volume of hyperbolic opinions being pushed out makes it almost impossible for businesses to decipher between the hype and reality. This is an issue the European Union’s ‘AI Act’ (the ...

29 August 2024 Artificial Intelligence and Financial Services

See all 9 opinions by Patrick

Patrick writes about

  • artificial intelligence
  • security
  • payments
  • predictions

Patrick's opinion archive

  • 2025 (2)
  • 2024 (1)
  • 2023 (1)
  • 2019 (3)
  • 2018 (2)
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