The UK Payments Council published its first National Payments Plan in May. What did it and the consultation process tell you that was new?

There was not anything in the responses where we felt: "we'd never have thought of that." We spent a lot of time talking to people before we issued the consultation document. So we were confident we were on the right page. We have established, however, that there is a greater degree of consensus about the way forward than we imagined. Take one example: there