The Payments Perspective by Wespay

In this episode of the Payments Perspective Podcast , Jeff Duffy sits down with Dean Nolan, Head of Banking Strategy and Industry Engagement at Finzly, to explore the evolving world of tokenized money. They break down the differences between distributed ledger technology, stablecoins, and tokenized deposits, and discuss where each may fit within the future of payments.   Drawing on decades of paym...

As Pay by Bank adoption grows across digital wallets, e-commerce, gaming, and other emerging use cases, financial institutions face new opportunities and new risks. In this episode of Payments Perspective, Jim Petkovits speaks with Matt Friend of JPMorgan about how Pay by Bank, open banking, and aggregators work together to create seamless payment experiences, while also exploring the rise of firs...

In this episode of the Payments Perspective Podcast , Connie LaChance welcomes Jane Hennessy, Senior Banking and Payments Consultant at Finzly, for a practical conversation about ISO 20022 and its potential to reshape how financial institutions manage and exchange payment information.   Jane compares the transition to ISO 20022 to moving from a simple text message to a rich, structured email, one...

In the ever-evolving landscape of financial technology, liquidity management has become more critical than ever. On the latest episode of the Payments Perspective Podcast, Jared Briggs, founder and CEO of Reativ, shares invaluable insights about how financial institutions can adapt to the demands of real-time payments and enhance their liquidity management strategies.   If you would like more info...

This episode of the Payments Perspective Podcast explains why an online banking bill pay payment that starts online can still end up as a paper check, and why that matters for both financial institutions and billers. Connie LaChance is joined by Jen Sauers, Senior Vice President of Client Success at CheckAlt, for a practical conversation about biller enrollment, electronic lockboxes, exceptions ha...

In this episode of the Payments Perspective Podcast, JimPetkovits sits down with Kimberly Mantuano at Finboa to discuss how financial institutions can build consistent, compliant, and examiner-ready Regulation E investigation processes. They explore common investigation mistakes, documentation best practices, consumer protection requirements, and the challenges of managing disputes across multiple...

In this episode of the Payments Perspective Podcast, JimPetkovits welcomes Erin O'Donnell, CEO of the Association for Cannabis Banking (ACB), for a discussion on the evolving cannabis banking landscape. They explore common misconceptions about the industry, the challenges of payments, lending, and compliance, and how banks and credit unions are helping cannabis businesses gain access to essential...

In this episode of the Payments Perspective Podcast, Carmen Murphy sits down with John Mathew of ECS Fin to discuss why Straight Through Processing (STP) has become a critical strategy for financial institutions navigating an increasingly digital world. Together, they explore how automation is transforming banking operations by reducing manual intervention, improving transaction accuracy, and allo...

In this episode of the Payments Perspective Podcast , Jeff Duffy, Assistant Vice President of Education and Events atWespay, sits down with Jen Sauers, Senior Vice President of Client Success at CheckAlt, to unpack the evolving role of lockbox operations in modern cash‑flow management. Together, they explore daily retail lockbox workflows, emerging challenges, and the future of lockbox services as...

In this episode of The Payments Perspective Podcast ,Jennifer Blevins, EVP of Business Development at Wespay, sits down with Julie Goff, VP of Operations at Lexalign, for a deep dive into the shifting role of customer operations in modern fraud prevention. Together, they unpack why fraud defense has become a collaborative effort, how regulators are increasingly emphasizing customer participation,...

In this episode of the Payments Perspective podcast, Connie LaChance discusses the upcoming Nacha fraud monitoring rules with Lindsey Gardner and Brandon Wolking from Spokane Teachers Credit Union. They explore the current challenges in electronic payments fraud, the importance of implementing internal controls, and the necessity for businesses to develop processes for vendor verification. The con...

In this episode of the Payments Perspective podcast, Jeff Duffy speaks with Peter Tapling about the implications of quantum computing on payment security. They discuss the potential threats posed by quantum computing, particularly its ability to break current encryption methods, and the urgency for financial institutions to prepare for this emerging risk. The conversation covers the concept of &#3...

In this episode of the Payments Perspective Podcast, JimPetkovits, Vice President of Education and Events, speaks with Wee Kee Toe from JP Morgan, about how blockchain is reshaping payments—far beyond crypto. They demystify centralized vs. distributed ledgers and explain howsmart-contract-enabled shared networks enable 24/7, near real-time cross-border movement of funds. The conversation explores...

Join Jeff Duffy, Assistant Vice President at Wespay, and Devon Marsh, Managing Director of ACH Network Rules and Risk Management at Nacha, as they discuss two recent bulletins issued for financial institutions, about the importance of moving from traditional means of communication toward secure channels for ACH exception resolution, and the value to be realized by leveraging same-day windows for A...

In this episode of the Payments Perspective podcast, Carmen Murphy speaks with John McKenney, the Financial Education Administrator for the Office of the State Treasurer for Washington State. They discuss the importance of financial literacy, particularly for vulnerable populations, and the challenges faced in delivering financial education. John shares insights from his workshops, emphasizing the...

In this episode of the Payments Perspective podcast, host Carmen Murphy interviews Chris Selmi, President and CEO of Wespay. Chris shares his extensive background in the payments industry, detailing his journey from a financial institution to leading Wespay. He discusses his vision for the future of Wespay, emphasizing the importance of adapting to the ever-changing payments landscape, including t...

In this episode of the Payments Perspective podcast, a panelof industry experts discuss their experiences with various industry accreditations, including the AAP, NCP, APRP, and AFPP. They share personal stories about their journeys to earning these credentials, the skills and knowledge gained through the process, and effective study techniques. Theconversation also includes valuable advice for th...

In this episode of Payments Perspective Podcast, Jim Petkovits, Vice President of Education and Events at Wespay, talks with Dana Chaves, Chief Business Development Officer at Lüt, about how their digital payment ecosystem is transforming cannabis and other cash-heavy industries. Dana explains how Lüt bypasses traditional card networks to offer secure, compliant transactions, builds customer loyal...

In this episode of the Payments Perspective podcast, JeffDuffy and Trevor Lain, attorney and founder of LexAlign, discuss the pending Nacha Risk Monitoring Rule changes and the evolving landscape of fraud monitoring and compliance in financial institutions. They explore the shift from debit-based fraud to credit-push fraud as the leading threat to accountholders, the related new regulatory obligat...

In this episode of the Payments Perspective podcast, Carmen Murphy speaks with Sarah Hoisington from Matera about the evolution and future of QR codes in payments. They discuss the differences between payment QR codes and URL QR codes, the security features of payment QR codes, and the global adoption of QR codes in various countries. The conversation also covers the standardization efforts for QR...

In this episode of the Payments Perspective Podcast, Connie LaChance, Vice President of Education & Events at Wespay, speaks with Joe Wentzell, Vice President at National Secure Transport, about the intricacies of cash in transit (CIT) services. They explore the importance of secure cash transportation for various cash-intensive businesses, including the cannabis industry, and discuss the role...

Join host Jeff Duffy and guest Chris VanHuysse from MentorMate for the second installment of the Payments Perspective Podcast series, where they dive deeper into therapidly evolving world of Artificial Intelligence (AI). This episode addresses critical questions about the ethics and safety of AI. Tune in to discover how AI can become a true differentiator and learn about approaches that blend tech...

In part one of this two-part Payments Perspective Podcast series, host Jeff Duffy welcomes Chris VanHuysse from MentorMate for an insightful conversation on the expanding influence of Artificial Intelligence (AI). As AI becomes integral to industries worldwide, questions surrounding its safety and compliance grow increasingly urgent. The technology has been on the market for a while, yet the regul...

In this second episode a two-part series of the Payments Perspective Podcast, Jim Petkovits, Vice President of Education & Events at Wespay, welcomes back Dan Wood from Pillsbury Law to unpack the GENIUS Act—a new bill aimed at regulating payment stablecoins in the United States. They explore how the Act could create a safer, more stable framework for digital currency, its potential impact on...

In this first episode of a two-part series, host Jim Petkovits, Vice President of Education & Events at Wespay, sits down with Dan Wood, Counsel at Pillsbury Law, and together they break down the foundational concepts of cryptocurrency, blockchain, digital currency, and distributed ledgers—cutting through the jargon to help you understand what really matters. Whether you're new to crypto or ju...