In Episode 4 of Payments Cannot Fail, Santander UK's Chief Payments Officer, Paul Horlock, joins Form3 CRO Mark Fieldhouse to explore how banks are transforming payments while keeping the financial system running every second of every day. Drawing on his experience leading both Pay.UK and now Santander UK's payments strategy, Paul shares a unique perspective on balancing innovation with resilience, modernising infrastructure without disrupting customers, and meeting the ever-growing expectations of a real-time world. The conversation explores the future of payments—from AI and operational resilience to build-versus-buy decisions, global real-time payments, and the partnerships shaping the next generation of banking.