How Change Really Happens in Payments

In a recent episode of On the Ledger with LoanPro, Thredd CEO Jim McCarthy shares a grounded perspective on how the payments industry evolves. The conversation looks at what moves quickly, what takes time, and why long-term progress often surprises us.

Innovation in payments is rarely linear. That is the central theme of this episode of On the Ledger with LoanPro, where Jim McCarthy joins the hosts to discuss how real change unfolds across financial services.

Jim reflects on a point made during the session that many people overestimate what can shift in a single year, while underestimating what can transform an entire decade. It is a meaningful insight for an industry built on shared infrastructure, regulation and collaborative execution.

The conversation explores how different parts of the technology landscape move at different speeds. Advances in AI continue to accelerate, creating new expectations across the ecosystem. Other areas develop more gradually due to regulatory considerations, operational readiness and the need for alignment across many partners. Jim notes that payments progress depends on coordination, which naturally introduces complexity and longer timeframes.

Thredd and LoanPro recently announced a partnership designed to give lenders and fintechs a more connected and configurable way to build credit programmes. LoanPro’s API-first loan management system now integrates directly with Thredd’s issuer processing platform, creating a unified environment for credit, debit and prepaid use cases.

Together, the two companies aim to simplify how programme managers launch, manage and scale card-led lending products by combining advanced ledgering with granular transaction control. The collaboration reflects a shared focus on real-time visibility, operational resilience and product flexibility for modern lenders.

To find out more please contact a member of our team.