Brief Agenda

08:00 am

08:30

09:00

Register, grab a coffee, and catch up with familiar faces while meeting new ones.

09:00 am

09:00

09:05

Conference Chair's Welcome Remarks

Deborah Baxley

Partner, PayGility Advisors

09:05

09:15

Speed Networking – Making new connections!

Let’s break the ice! This 10-minute icebreaker is your chance to connect with three new
people in the room. Introduce yourself, share what brought you to the summit, and enjoy
the opportunity to expand your network.

09:15

10:15

Morning Power-Hour Panel: The State of Instant Payments in the U.S.

Is the U.S. finally reaching an instant payments inflection point?
Are RTP and FedNow creating competition or fragmentation?
Which real use cases are actually driving instant payment volume?
Has the $10M RTP cap unlocked meaningful corporate adoption?
What will define FedNow’s success in the next three years?
Why has U.S. adoption lagged behind PIX, UPI, and SEPA Instant?
Will instant payments replace ACH for everyday transactions?
How can community banks compete in the real-time ecosystem?
Is multi-rail orchestration becoming the new competitive edge?
If speed is commoditized, where will banks create value?
Can value-added services unlock real monetization for instant rails?
Could stablecoins or programmable money reshape instant payments?

Petra Bianca Bellido

HSBC

Michelle Brick

RBC

Kris Varma

VISA Direct

Steve Kenneally

American Bankers Association

Deborah Baxley

PayGility Advisors (Panel Moderator)

10:00 am

10:15

10:20

Stage Reset (5 Mins)

10:20

10:50

The $10 Million Acceleration: FedNow's Strategic Pivot to Power Corporate America

$10M Pivot: How will the new cap boost high-value B2B flows?
How are participants, including Treasury, leveraging instant payments?
What risk mitigation tools are available on the service?
What fraud-reduction approaches are we seeing in instant payments, including AI-driven tools?
How do we reach ubiquity?

Blake McDaniel

Federal Reserve

10:50

11:20

The U.S. Instant Payments Race: RTP®’s Velocity and the Tipping Point of Ubiquity

As RTP up 95%, which B2B & B2C use cases will drive the next growth wave under the $10M limit?
What are realistic post-migration use cases that deliver ROI by 2026?
Beyond speed: how are FIs using ISO 20022 and RfP to drive revenue and fight fraud?
How is TCH’s real-time A2A and wallet fueling the bank vs Big Tech race?

Keith Melton

The Clearing House

11:00 am

11:20

12:05

Morning Coffee and Connect (45 Mins)

12:00

12:05

12:55

Panel 2: Building Value Beyond Payment Rails: Monetization, Interoperability & the Next Wave of Payments Innovation

Which “beyond-the-rail” solutions are creating the most value in payments today?
What factors make these solutions commercially successful — not just technically live?
For solutions that haven’t scaled yet, what barriers are preventing broader adoption?
What lessons from global payments ecosystems can help accelerate these solutions?
What emerging capabilities or innovations should the industry be watching next?
Looking ahead 2–3 years, which solutions will become must-have infrastructure?
Which current solutions may become less relevant as the ecosystem evolves?
Are there other in-market capabilities we haven’t discussed that deserve more attention?

Miyoshi W. Lee

Bank of America

Gretchen Rodríguez

TD Bank

Jonathan J O'Connor

Synovus

Sai Kailash

Cross River

Dean Nolan

Finzly

12:55

13:00

Money Movement Chicago Launch Giveaway

13:00

14:00

Networking Lunch/ Pre-Arranged Meetings (60 mins)

14:00

15:00

Panel 3: The Global State of Instant Payments & Cross-Border Interoperability

Where does global instant payments adoption stand as we enter 2026?
What has PIX proven about scaling instant payments nationally?
What lessons does SCT Inst offer for multi-country coordination?
Which lessons from PIX and SCT Inst can other markets replicate?
What is the biggest barrier to global interoperability today?
How should domestic instant rails be designed for cross-border connectivity?
What role should global networks play in linking domestic instant schemes?
How are central banks balancing speed, inclusion, and systemic risk?
Is liquidity management the biggest constraint for cross-border instant payments?
What practical steps are enabling instant cross-border payments for retail and SMEs?
Where do credit unions and mid-sized banks fit in the global instant ecosystem?
What must change in the next 3–5 years to achieve global instant payment scale?

Erin Moore

SWIFT

Gijs Boudewijn

European Payments Council

Gary Palmer

Payall Payment Systems

Christopher Burtch

Standard Chartered

Brad Nightengale

VISA Direct

Jacob Novich

Deloitte Consulting (Panel Moderator )

15:00

15:05

Stage Reset (5 Mins)

15:05

16:00

Panel 4: The Next Fraud Frontier: Safeguarding Real-Time Payments in an AI-Powered Economy.

How is AI being used today to strengthen fraud detection and prevention?
What new AI-driven tools or models are emerging in the fight against financial crime?
How are organizations addressing employee concerns around AI adoption in fraud management?
Why is collaboration and intelligence sharing critical in modern fraud prevention?
What barriers prevent the creation of a unified fraud data exchange across financial institutions?
Should the industry consider a national fraud database or shared registry?
How are banks, fintechs, and networks collaborating to share actionable fraud intelligence?
What regulatory actions or clarity are needed to better combat fraud in real-time payments?
Do financial institutions currently have the right capabilities and talent to manage evolving fraud threats?
Looking ahead to 2031, what should the ideal fraud prevention ecosystem look like?

Roderick Brown

Truist

Willie Daniely

Ameris Bank

Jim Hitchcock

American Bankers Association

Donna Turner

Risk Insights Solutions

16:00

16:45

Evening Networking/1-2-1 Meetings Break (45 Mins)

16:45

17:30

Panel 5: Liquidity on Demand: Real-Time Settlement & Interoperability in a 24/7 Payments World

How does ISO 20022 improve real-time liquidity visibility and forecasting?
How does richer payments data reshape reconciliation and intraday liquidity management?
How is 24/7 settlement changing liquidity pricing and funding strategies?
What new challenges arise from weekend and always-on liquidity management?
In an always-on economy, what does “liquidity at the speed of money” really mean?
Can AI enable predictive treasury and anticipate liquidity needs in real time?
How can treasuries optimize liquidity across RTP, FedNow, ACH, and card rails?
At what point does real-time settlement become the default rather than the differentiator?
How can interoperability between payment rails unlock cross-border liquidity flows?
How will programmable money and tokenized deposits interact with instant payment rails?
Could stablecoins and tokenized assets transform liquidity management in the coming decade?

Richard Dooley

Fifth Third Bank

Glenn Davis

PNC

Vipul Suvarna

MUFG

Sean Corrigan

GlobalNau Solutions (Panel Moderator )

17:00

17:30

17:40

Closing Remarks from Chairperson

Deborah Baxley

PayGility Advisors

That’s a wrap for Day 1! See you tomorrow for more inspiring insights and discussions.

08:00 am

08:30

09:00

Register, grab a coffee, and catch up with familiar faces while meeting new ones.

09:00 am

09:00

09:05

Conference Chair's Welcome Remarks

Deborah Baxley

Partner, PayGility Advisors

09:05

09:10

Kick-Start the Day: Icebreaker Q&A

In this 5-minute icebreaker session, the Conference Chair will engage the audience with a
quick Q&A to spark conversation and set the tone for the day.

09:10

10:10

Morning Panel: Combatting Financial Crime at Real-Time Speed: The Future of AML, KYC & Fraud Prevention

What are the biggest challenges institutions face as real-time payments become mainstream?
How is the U.S. financial crime landscape evolving with real-time fraud and mule activity?
What are the biggest impacts of real-time payments on onboarding and customer due diligence?
Does real-time payments require real-time onboarding and modernization of KYC?
Can institutions reduce customer friction without weakening compliance and risk controls?
Why is “Know Your Payee” becoming critical in real-time payment environments?
How do third-party providers such as ISOs and PayFacs fit into the evolving compliance landscape?
Where can AI and advanced analytics improve fraud detection without increasing false positives?
How must organizations adapt to manage financial crime in a 24/7 multi-rail environment?
How can smaller banks and credit unions modernize AML and KYC capabilities with limited resources?

Kapil Shukla

Bank of America

Kelly Halvorson

KeyBank

Luis Felipe Segura

Incode

Christene Whitman

Truliant Federal Credit Union

Thomas Nadratowski

Citi

Emily Baxter

RPY Innovations (Panel Moderator)

10:00 am

10:10

10:15

Stage Reset (5 Mins)

10:15

11:00

Panel 2: Inside the Modern Payments Platform: APIs, Orchestration & Scale

Where does modern commerce still break down today — experience, execution, or settlement?
In today’s ecosystem, is the real competitive edge speed, data intelligence, or liquidity control?
How are APIs reshaping collaboration between merchants, platforms, and financial institutions?
In a multi-rail world, who should own payment orchestration — merchants, PSPs, or banks?
How are modern payment platforms managing scale across multiple rails and networks?
Are real-time payouts transforming business models or simply raising customer expectations?
As money moves instantly, how does liquidity strategy become a competitive advantage?
Why does reconciliation remain one of the biggest frictions in digital payments?
How can smarter orchestration improve approval rates, routing, and transaction success?
Can AI meaningfully improve fraud detection and authorization rates at scale?
In global commerce, what matters more — better rails or smarter orchestration?
Are payment providers evolving into full financial platforms managing capital and cash flow?
What will define the next generation of modern payment infrastructure?

Aaron Szerlip

PayPal

Ginny Huber

Checkout.com

Vipul Suvarna

MUFG

Deborah Baxley

PayGility Advisors

11:00 am

11:00

11:30

Morning Coffee and Connect (30 Mins)

11:30

12:15

Panel 3: The Rise of Pay-by-Bank: The Path to Mainstream Real-Time Checkout

What will be the true catalyst for Pay-by-Bank adoption in the U.S.?
Which use cases will scale first — bill pay, e-commerce, subscriptions, or payouts?
What economic advantages does Pay-by-Bank offer merchants compared to cards?
What incentives will be required to shift consumer behavior away from card payments?
How can banks and PSPs make Pay-by-Bank seamless enough to become a default checkout option?
What role will open banking APIs play in scaling Pay-by-Bank experiences?
How can identity signals, tokenization, and risk scoring strengthen trust at A2A checkout?
How should dispute handling and real-time refund processes evolve for Pay-by-Bank?
Will wallets and big tech accelerate Pay-by-Bank adoption — or compete with it?
How should banks price and monetize A2A payments in an interchange-driven market?
What infrastructure upgrades are required to support Pay-by-Bank at scale?
By 2027, will Pay-by-Bank become mainstream — or remain a niche alternative to cards?

Pratip Daw

J.P. Morgan

Michelle Brick

RBC

Gretchen Rodríguez

TD Bank

Petra Bianca Bellido

HSBC

Steve Mott

BetterBuyDesign (Panel Moderator)

12:15

13:00

Panel 4: Stablecoins, Tokenized Deposits & The New Settlement Layer of U.S. Payments.

What is driving momentum behind stablecoins and tokenized deposits in U.S. payments?
How should banks assess the balance-sheet impact of issuing tokenized cash?
Which U.S. regulatory frameworks will shape institutional adoption?
How will stablecoins and tokenized deposits integrate with FedNow, RTP, and ACH?
Which use cases—cross-border, treasury, or interbank—will adopt tokenized money first?
How can tokenized settlement improve liquidity and treasury efficiency?
What custody, security, and identity controls are required for regulated institutions?
How critical are bank–fintech–infrastructure partnerships to scale tokenized payments?
As settlement becomes 24/7, how might traditional payment networks evolve?
Will stablecoins complement existing rails—or redefine the settlement layer?

Arijit Das

Northern Trust Corporation

Gretchen Bartholomew

KEMBA Credit Union

Ben Grout

zerohash

Bill wells

Matera (Panel Moderator)

13:00

14:00

Networking Lunch/ Pre-Arranged Meetings (60 mins)

14:00

15:00

Panel 5: Modernising ACH in a Multi-Rail U.S. Payments System

As instant payment rails expand, what strategic role should ACH continue to play in the U.S. payments ecosystem?
How are FedACH and EPN evolving to remain relevant alongside real-time payment rails?
Which upcoming NACHA rule changes will have the most operational impact on financial institutions?
Where does Same-Day ACH still fall short compared to real-time rails, and what improvements are realistic?
How should banks clearly segment payment use cases across ACH, RTP, FedNow, and cards?
What governance or standards gaps still exist across U.S. payment rails today?
How can FI's modernize legacy ACH infrastructure without disrupting core operations?
What role will payment hubs and orchestration platforms play in enabling banks to manage ACH alongside newer rails?
How important is ISO 20022 readiness in preparing ACH infrastructure for the next generation of payments?
Looking ahead, what will define ACH’s long-term strategic value in a multi-rail U.S. payments system?

Cheryl Gurz

The Clearing House

Nell Campbell-Drake

Federal Reserve Financial Services

Sai Kailash

Cross River

Chris Bureau

Volante Technologies

Katherine Wong

Independent Consultant (Panel Moderator)

15:00

15:45

Panel 6: Agentic Payments: The Next Frontier of Intelligent Money Movement

What exactly are agentic payments, and how do they differ from traditional automation?
Which agentic payment use cases are emerging today across banking and commerce?
Which future use cases excite you most for autonomous money movement?
How do “human-in-the-loop” and “fully autonomous” payment models differ in practice?
What foundational infrastructure is required to support agentic payment systems?
What regulatory guardrails must exist for agentic payments to scale safely?
How can institutions balance innovation with the risks introduced by autonomous AI?
What new fraud, compliance, or operational risks could agentic payments introduce?
Who is driving adoption—banks, fintechs, merchants, or AI platforms?
What risks do institutions face if they take a wait-and-see approach?
With many AI protocols emerging, how should institutions prioritize where to invest?
How important will partnerships be in building the agentic payments ecosystem?