24 March 2025
Brief Agenda US
08:00
08:30
08:55
09:00
09:00
09:05
09:05
10:05
09:05 – 10:05
- Have we reached the tipping point for instant payments in the US?
- Will instant payments in the US ever look like Pix in Brazil or UPI in India?
- Do we have too many payment rails in the US?
- Is the lack of Instant Payment rail interoperability a major problem or a non-event?
- How do Financial Institutions make money on instant payments?
- What does it really take support instant payments?
- Is launching instant payments the first step in broader payment modernization efforts (Product, Technology, and Operations)
- What do you predict will be the biggest story about instant payments in 2025?
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Janice Ong
UNFCU
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Shreya Singh
J.P. Morgan Chase
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Laine Donlan
Truist
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Richard Dooley
Fifth Third Bank
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Dean Nolan
PayCLT
10:00
10:05
10:30
10:05 – 10:30
In this session, Fred will discuss how AI is driving faster, safer, and smarter payment ecosystems by improving fraud prevention, enhancing user experiences, and automating backend operations. As AI advances, expect more hyper-personalized, seamless, and invisible payment experiences in the future
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Fred Fuller
Endava
10:30
10:55
10:30 – 10:55
- FedNow: Latest Update on growing momentum since its launch
- ROI and managing risk with the FedNow® Service
- Use Case Opportunities: Digital wallets, Earned wage access, Bill pay
- Looking into the future, how to obtain ubiquity in payments
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Dan Gonzalez
Federal Reserve Financial Services
10:55
11:15
10:55 – 11:15
The Future of B2B Payments in an Instant World: Innovations, Challenges, and the Road Ahead
- What’s the current state of B2B payments in the U.S., and how will the $10M RTP limit impacted it?
- What are the some of the main challenges in adopting real-time B2B payments?
- Which technologies are driving these payment innovations, and how are they being implemented?
- How do digital wallets and alternative platforms fit into the B2B payment landscape?
- What advancements can we expect over the next 3–5 years?
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James Colassano
The Clearing House
11:00
11:15
11:45
11:45
12:05
11:45 – 12:05
- What are the benefits and challenges of adopting Pay-By-Bank for businesses and consumers?
- How have instant payment systems evolved, and what key technologies enabled them?
- How do global regulations influence instant payment system development?
- What roles do FI’s and FinTech’s play in advancing Pay-By-Bank?
- How is consumer behavior changing with instant payments, and what trends are emerging?
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Senior Executive
TBC (Reserved for Finastra)
12:00
12:00
12:50
12:00 – 12:50
- What fraud risks do Instant Payments bring? Are banks and fintechs aligned enough?
- What lessons can we learn from high-profile fraud cases in the instant payments?
- What key fraud trends should banks prepare for in the next five years?
- How can AI and Machine Learning transform fraud prevention in instant payments?
- What strategies can bank use to combat synthetic identity fraud and deep fakes?
- How do tokenization, encryption, and biometrics secure instant payments?
- What unique fraud risks do FedNow and RTP® pose, and how can they be mitigated?
- How can banks and fintech’s collaborate to share fraud intelligence effectively?
- How can banks comply with regulations while fostering payment innovation?
- What customer education tactics help prevent payment fraud?
- What are the key investments banks need to make today to future-proof fraud risk?
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Lavonne Heaviland
FirstBank
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Michaela Arndt
Standard Chartered Bank
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Doug DeLong
Bank of America
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Ron Miller
LexisNexis Risk Solutions
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Arun Lamba
Synechron (Panel Moderator)
12:50
13:50
13:00
13:50
14:35
13:50 – 14:35
- Understanding the Landscape of International Payments.
- How do real-time payments drive financial inclusion in diverse banking regions?
- Key differences & challenges between cross-border & domestic payment systems.
- What key features should U.S. banks adopt for SWIFT GPI in cross-border payments?
- How do global regulatory variations affect cross-border payments?
- The Role of ISO 20022 in Revolutionizing Payments.
- Technological innovations shaping the future of cross-border payments.
- Impact of central banks and third-party providers on cross-border payment policies.
- What are the best practices for mass adoption of instant payment systems in emerging markets?
- What do you think led to the success of Pix’s rapid adoption in Brazil?
- What aspects of Pix can be applied to instant payments in markets like the U.S.?
- What can global payment systems learn from Pix’s success in Brazil for better cross-border transactions?
- How real-time settlements can increase transparency and traceability in cross-border payments.
- Key takeaways: ISO 20022, Cross-Border Payments, Global Transaction Trends.
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Erin Moore
Swift
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Erin Moore
SWIFT
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Chris Burtch
Standard Chartered
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Brad Goad
Matera
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David Jackson
Marketcy (Panel Moderator)
14:00
14:35
15:30
14:35 – 15:30
- How can fintechs and banks transform ACH payments for seamless, secure transactions?
- What strategies can modernize payment infrastructures for real-time capabilities?
- How can institutions enhance transparency, traceability, and trust in payments?
- How can US banks combat fraud while ensuring compliance in instant payments?
- What are the benefits of adopting payment hubs for scalability and real-time security?
- How can institutions enhance payment systems to support real-time, transparent transactions?
- What steps can fintechs and banks take to future-proof their payment systems?
- What does the future of instant payments look like, and how can we prepare for it today?
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Gretchen Rodríguez
TD Bank
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Howard Lemons
Ameris Bank
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Karuna Kathir
Finzly
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Matt Ribbens
First Citizens Bank
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Wayne Brown
The Walker Group
(Panel Moderator)
15:00
15:50
16:10
15:50 – 16:10
- How embedded finance is revolutionizing customer and business payment journeys.
- Lessons from Truist: Aligning technology, business, and customer needs for impactful results.
- Future trends in B2B and SMB (small- and medium-business) payments.
- Preparing for the next decade of payments: AI, blockchain, and new payment rails.
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Laine Donlan
Truist
16:00
16:10
16:30
16:10 – 16:30
- How can FIs balance instant payment speed with fraud prevention?
- How should banks, fintechs, and regulators collaborate on fraud defense?
- What emerging fraud tactics should FIs prepare for?
- How Dwolla is innovating and contributing to this transformation.
- How will deepfake and AI-driven fraud impact instant payments?
- What’s the future of fraud prevention in the next five years?
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Michael B. Steinbach
Citi
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Katherine Wong
Katherine Wong (Fireside Moderator)
16:30
17:00
16:30 – 17:00
- How can instant payments drive financial inclusion globally?
- Key regulatory hurdles in scaling instant payments?
- How is cross-border instant payments shaping the future of global transactions?
- What are the most significant cybersecurity risks in instant payments?
- How can banks and fintechs collaborate to optimize real-time payment adoption?
- What lessons can be learned from the success of UPI and similar systems?
- How can instant payments improve cash flow for businesses?
- What infrastructure upgrades are necessary for scaling instant payments?
- How does AI contribute to faster processing and security in instant payments?
- Challenges arise with interoperability between different payment systems?
- How does real-time settlement impact liquidity management for banks?
- What role do central banks play in standardizing instant payment frameworks?
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James Dillard
Texas Capital Bank
-
Steve Kenneally
American Bankers Association
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Kate Conroy
Citizens
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Marcia Klingensmith
FinTech Consulting, LLC ( Panel Moderator)
17:00
17:00
17:35
17:35
18:35