16 Oct 2025
Brief Agenda Chicago
08:00
08:30
09:00
09:00
09:00
09:05
09:05
09:55
09:00 – 10:00
- Have we reached the tipping point for instant payments in the U.S.?
- What key trends are driving the rapid evolution of real-time payments today?
- What’s still preventing widespread consumer and business adoption?
- How is market fragmentation—FedNow, RTP, ACH, Fedwire, SWIFT—impacting growth and innovation?
- What are the biggest challenges to scaling instant payments nationally?
- Where’s the ROI? What are the emerging revenue streams for financial institutions and corporates?
- Which use cases are gaining the most traction—gig economy payouts, loan disbursements, or payroll?
- How are centralized payment hubs helping to simplify multi-rail integration?
- What role does legacy system modernization play in enabling real-time capabilities?
- How are APIs, Open Banking, and new tech infrastructures driving instant payments forward?
- How are banks and fintechs collaborating—or competing—to deliver seamless instant payments?
- What is the outlook for cross-border instant payments and global B2B transactions?
- What innovations are on the horizon—and what must institutions do to stay ahead?
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Bridgit Chayt
Fifth Third BanK
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Ary Hernandez
BBVA
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Lilly Dodd
PNC
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Kathryn Albright
Umpqua Bank
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Senior Executive
Available For Platinum Sponsor
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Peter Tapling
PTap Advisory, LLC (Panel Moderator)
09:55
10:20
10:00 – 10:25
- What impact will the $1M limit have on high-value use cases?
- How does FedNow’s national reach change the game for smaller banks?
- Can velocity controls stop fraud without slowing payments?
- Is this the tipping point for real-time payments in the U.S.?
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Allison Baller
Federal Reserve Bank of Boston
10:00
10:20
10:40
10:50 – 11:10
- How is RTP® enabling high-value, real-time B2B and corporate transactions with its new $10M limit?
- What’s driving the explosive 94% YoY growth in RTP® payment value?
- How are 950+ institutions now leveraging RTP to process daily volumes of over 1.18 million transactions worth $6 billion?
- Is the U.S. finally entering a business-scale real-time payments era—and what’s next?
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Elena Casal
The Clearing House
10:40
11:00
11:40 – 12:00
- How do AI and behavioural signals unlock fraud detection in the blink of a transaction?
- Can real-time risk scoring outpace today’s hyper-evasive fraud techniques?
- Are we entering the era of adaptive trust—where authentication evolves per user, per moment?
- How are real-time networks weaponizing collaboration to shut down fraud before it strikes?
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Senior Executive
Available For Gold Sponsor
11:00
11:00
11:30
11:30
12:20
12:00 – 12:45
- Can fraud be stopped in milliseconds—without sacrificing the magic of a seamless payment experience?
- How are AI, machine learning, and behavioral biometrics reshaping real-time threat detection?
- Are FI’s ready for deep fake-driven scams and synthetic identity fraud at scale?
- What does a “zero trust, zero delay” fraud prevention model really look like in live payments?
- Where do legacy systems fall short—and how can they be upgraded for real-time resilience?
- How are banks and fintechs teaming up to share fraud signals instantly across platforms and rails?
- Can real-time payment networks implement smarter velocity checks without frustrating users?
- What role does post-transaction intelligence play in detecting and recovering from instant fraud?
- How do regulators view AI-powered fraud prevention—and what expectations are on the horizon?
- What innovations today could become the gold standard for tomorrow’s frictionless fraud defense?
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Kelsey Homa
City National Bank
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Guillermo Inestroza
Banrural Honduras
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Dan Pinto
Fingerprint
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Katherine Wong
Independent (Panel Moderator)
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Sarah Casey
SEI
12:00
12:20
12:40
13:40 – 14:00
- How are fintechs embedding real-time payouts into gig, wellness, and marketplace platforms?
- Which use cases—like EWA, insurance, or B2B—are driving real-time payout adoption fastest?
- How do APIs and orchestration engines optimize rail selection for speed and cost?
- What’s the biggest challenge in scaling instant payouts without adding fraud risk?
- Are fintech–bank partnerships key to delivering seamless embedded real-time payments?
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Mihail Duta
Finastra
12:40
13:00
15:20 – 15:40
- How can AI detect and stop fraud in real time—without adding user friction?
- Can machine learning predict and reroute failed payments before they happen?
- How is behavioral biometrics redefining trust in the instant payment experience?
- What does responsible, explainable AI look like in a real-time compliance environment?
- Are we entering the era of autonomous payments—AI-led, invisible, and instant?
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Romil Trivedi
Euronet
13:00
13:00
13:45
13:45
14:30
14:00 – 14:40
- What makes FedNow, RTP, Visa Direct, and Zelle unique—and which rail fits which use case best?
- What’s the biggest challenge in integrating multiple real-time rails into one system?
- Are fintechs outpacing banks in leveraging real-time rails—and why?
- Is real-time payments ROI clear for mid-sized and community banks yet?
- How are FIs managing liquidity risks with 24/7 rails and higher payment caps?
- Are current fraud tools fast enough to protect real-time rails at scale?
- How are institutions automating rail selection based on speed, cost, or customer type?
- What use cases—gig payouts, B2B, insurance—are exploding across different rails?
- Do consumers now expect instant payments as the norm—or is education still lacking?
- How is market fragmentation across FedNow, RTP, and ACH slowing progress?
- Can true interoperability across U.S. real-time rails become a reality soon?
- Will any of these rails evolve to power real-time cross-border payments?
- If you could fix one thing in today’s real-time rail ecosystem—what would it be?
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Gretchen Rodríguez
TD Bank
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Howard Lemons
Ameris Bank
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David Odigie
RBC
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Allison Baller
Federal Reserve Bank of Boston
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Justin Zhaoe
Visa Direct
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Dean Nolan
PayCLT (Panel Moderator)
14:00
14:30
14:50
16:45 – 17:00
- How are fraud tactics evolving in Central America?
- Why are fraud tools becoming more accessible?
- What role does hyperconnectivity play in rising fraud?
- Is Central America prepared for this new wave of digital crime?
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Guillermo Inestroza
Banrural Honduras
14:50
15:35
14:40 – 15:20
- How can we build people-centric cross-border payments that foster inclusion and trust?
- Is interoperability the top barrier—or biggest opportunity—for global RTP?
- What’s needed to scale instant payments globally without compromising compliance or security?
- How do regional rails like PIX, UPI, and P24 connect with SWIFT GPI or Visa B2B Connect?
- Can real-time support the $250T global economy—or are limits starting to show?
- What are the top RTP corridors today (e.g., LATAM–NA, EU–APAC, US–Mexico)?
- How are the U.S. approaching cross-border payments through FedNow and RTP rails?
- What’s the role of U.S. banks and fintechs in driving global RTP innovation?
- How can banks and fintechs unlock regional payment rails for true global reach?
- Why is global collaboration more essential than technology alone for instant payments?
- What’s the roadmap to achieving end-to-end interoperability across jurisdictions?
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Petra Bellido
HSBC
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Subhrajyoti Mukhopadhyay
JP Morgan Chase & Co
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Jakub Petri
VISA Direct
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Gary Palmer
Payall Payment Systems Inc.
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Wayne Brown
The Walker Group (Panel Moderator)
15:00
15:35
16:05
16:00
16:05
16:50
16:05 – 16:45
- How are instant payments transforming liquidity strategy and internal workflows?
- What’s the real-time payment advantage in enhancing client experience and service delivery?
- Can financial institutions achieve true, real-time cash visibility with instant rails?
- What infrastructure revamps are critical to unlock the full value of instant payments?
- How are forward-thinking banks reimagining product offerings in a real-time world?
- Where do risk, fraud, and compliance challenges emerge in the instant payment space?
- What sets apart the innovators—how can real-time rails redefine competitive edge?
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Katie Robison
Huntington National Bank
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Raj Singh
First Citizens Bank
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Anoop Basavarajaiah
Volante Technologies
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Kristen Hartman
Citizens Bank
-
Senior Executive
Moderator
16:50
17:35
17:00 – 17:30
- Where do instant payments and stablecoins stand today — converging or still apart?
- Are stablecoins past proof-of-concept and ready for mainstream finance?
- How has the GENIUS Act changed the regulatory landscape for stablecoins?
- Does U.S. regulation enable innovation or impose heavy compliance burdens?
- How are banks handling AML, sanctions, and freeze/burn duties under new rules?
- Do banks view stablecoins as partners to instant payments or as rivals?
- How close are stablecoins to integrating with ACH, FedNow, RTP, cards, and SWIFT?
- Can stablecoins replace correspondent banking inefficiencies, and what’s SWIFT’s role?
- Should interoperability be driven by open standards or regulatory mandates?
- How should Canadian banks prepare for U.S. regulatory spillover?
- What lessons can Canada take from U.S. policy, and where should it diverge?
- In five years, will stablecoins be the backbone of payments or just a bridge to CBDCs?
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Andrew Czupek
Northern Trust Corporation
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Jack Pouderoyen
SWIFT
-
Matthew Horne
Fidelity Investments
-
Brent Mizzen
Canadian Bankers Association
-
Senior Executive
Available for Panel Sponsor
-
Peter Tapling
Moderator
17:00
17:35
17:40
17:40