Tony Craddock

Director General

Emerging Payments Association


An enthusiastic business leader of the world’s most influential trade association in payments, a lively public speaker and avid networker, Tony is passionate about payments and the difference it can make to lives everywhere.


Tony champions payments technologies globally. He shares his deep payments knowledge, borne from 15 years in payments and evangelical zeal for innovation, when speaking and chairing conferences, publishing books and whitepapers, or enrolling payments leaders to join the Emerging Payments Association’s (EPA) collaboration network.


A serial entrepreneur, Tony invests in many early stage payments and PayTech companies, enabling them to succeed in a highly competitive payments ecosystem.


Tony conceived and launched the EPA in 2012, where he is director general. The EPA promotes the UK as global hub for payments innovation and the interests of the EPA’s 150+ members, which include banks, card schemes, PSPs, issuers, processors and acquirers, which all come together to drive collective industry change.


Tony also leads the communities of EPA Asia, EPA EU, EPA US and EPA Africa. His vision is that this global network of interconnected capabilities, people and knowledge will prove to be truly transformational in how the world works, for the benefit of everyone.


In 2019, Tony set up the Inclusion Foundation, a not-for-profit platform company promoting products that help address financial exclusion.