Payments Nerds

Financial services commentator Mary Wisniewski explores the future of the RTP® network and instant payments, how real-time payments are changing consumer expectations, enabling 24/7 money movement, supporting earned wage access, and creating new opportunities for banks and fintechs. Recorded live at Fintech Meetup in Las Vegas, the conversation also covers fraud prevention, open banking, embedded...

Instant payments have reached a tipping point as the RTP® network continuing to expand. The technology is proven, best practices are known, and financial institutions can no longer afford a wait-and-see approach – especially when it comes to enabling send capabilities. In this episode, Marcia Klingensmith of Candescent explains why banks and credit unions must move beyond receive-only participatio...

Republic Bank & Trust leaders Bill Nelson and Natasha Dobson explain how real-time payments are reshaping the tax refund experience for thousands of customers. From refund advances delivered on weekends to tax refunds arriving days earlier than expected, the conversation explores how the RTP® network is helping consumers access critical funds faster, improving cash flow, and creating a better...

Michael Bilski of North American Banking Company and Robert Lewis of Open Payments Network explore how APIs are accelerating instant payment adoption. They discuss real-world implementation strategies, customer demand, and operational lessons learned when it comes to utilizing APIs to quickly enable instant payments over the RTP® network for businesses and their customers. From liquidity managemen...

Amplify Credit Union’s Stacy Armijo explains how instant payments reshape member expectations, increase loyalty, and grow long-term relationships. Armijo provides details about how instant payments have accelerated deposit growth at her credit union, explains why faster access to money is becoming the new standard, and how credit unions can turn instant payments into a powerful driver of member en...

In this special syndicated episode from the Leaders In Payments Podcast , Square and JPMorgan reveal how instant payments over the RTP® network are transforming small business cash flow. James Chi, Head of Bank Partnerships and Operations at Block (overseeing partnerships across Square, Cash App, and Afterpay), discusses how Square leverages the reach and capabilities of the RTP network to power i...

This episode explores how The Clearing House is advancing liquidity efficiency through the CHIPS® network. Listeners will learn how the CHIPS network enables over $5 billion in annual liquidity savings for participant banks and strengthens market resiliency through real-time netting. The guests on the show, John Foran, Product Manager at Deutsche Bank, and Michael Knorr, SVP of CHIPS Product Manag...

In this episode, Carl Slabicki, Executive Platform Owner, Treasury Services at BNY, discussed how treasury services are powering a new era of payments, liquidity, and cross-border efficiency. With trillions moved daily, BNY sits at the heart of global finance – offering a front-row seat to the transformation from batch-based payments to instant, API-driven transactions. Discover how real-time paym...

Erica Bauman and Giles Ubaghs of Datos Insights discuss the major themes shaping global banking – from real-world AI adoption and payments modernization to the race for instant, cross-border efficiency. The discussion dives into how banks can move beyond theory to execution, what’s driving innovation, and why faster, smarter technology is key to keeping up with shifting customer expectations in to...

In this episode, Suncoast Credit Union’s Director of Payment Operations, Brandi Forrester discusses how instant payments are transforming experiences for its members and helping improve financial inclusion. From helping underserved communities access funds faster to streamlining internal operations, Brandi shares Suncoast’s journey to launching real-time payments on the RTP® network. Hear her insi...

In this episode, we sit down with Pat Mason, CEO of Sun Credit Union, along with Leslie Payne, Sun’s Director of Accounting, and Barb Kren, Member Success Executive at Corporate One, to discuss Sun’s early experience joining the RTP® network. Just days into their instant payments journey, the team shares insights on building the instant payments business case, gaining board support, and navigating...

In this special Payments Nerds® episode, Greg Myers, host of the Leaders in Payments podcast, joins to explore themes that are outlined in the "Women Leaders in Payments" series, including mentorship, risk-taking, and leadership. As a special bonus, you can hear Myers' full interview with Sheffali Welch, COO of The Clearing House, who was part of the "Women Leaders in Payments" series.

In this episode, Deana Bartel of Randolph Brooks Federal Credit Union (RBFCU) discusses how the $18 billion credit union built its instant payments business case. From evaluating ACH transactions and digital wallet flows to addressing fraud, compliance, and staffing concerns, RBFCU shares lessons from its launch on the RTP® network. Hear how the credit union is keeping deposits in-house, preparing...

Discover how NFTYDoor is transforming the home equity lending experience with instant payments over the RTP® network. Jonathan Spinetto, NFTYDoor’s Co-Founder, and Ani Narayan of Modern Treasury explore how digital innovation is speeding up Home Equity Line of Credit (HELOC) funding—even on weekends. Learn how automation, real-time payments, and a seamless online process are reshaping lending, imp...

In this episode, GBank EVP and COO Tara Campbell shares her journey implementing the RTP® network at two banks—most recently leading GBank’s go-live with both send and receive capabilities. Learn how GBank built a compelling business case for instant payments by targeting the gaming sector, addressed operational and risk challenges, and collaborated with third-party providers. Tara also offers ins...

Why are corporates turning to instant payments and where are they seeing the biggest returns? In this episode, payments experts Irfan Ahmad, from Bank of America, and Dr. Leo Lipis of Lipis Advisors, explore the possible obstacles to adopting instant payments, how corporations are addresses these challenges, and how adoption of real-time payments by businesses is accelerating. They dive into compe...

Building the Better Payments Journey: Innovation, Rails, and Customer Experience On this Payments Nerds® episode, a powerhouse panel of payments experts unpack the evolving landscape of payments in the U.S. From real-time rails to customer expectations, they explore how innovation, data, and collaboration are reshaping the journey. Discover why seamless, secure, and smarter payments matter more th...

In this episode, Colin Eagan of Veridian Credit Union and Kathy Duffer of First Internet Bank dive into how their institutions navigated the adoption of real-time payments. From building the business case and educating executives to analyzing customer data for instant payment trends, and moving from receive-only to send capabilities on the RTP network, they reveal lessons learned, surprising use c...

Devon Marsh from Nacha and Jason Carone from The Clearing House explore the surprising momentum behind the 51-year-old ACH network – and why it’s still growing strong.  From record-breaking volumes to the rising demand for faster payments, they unpack what’s fueling ACH growth and how the network remains the payments backbone of the U.S. economy through reliability at scale. The conversation also...

Thomas Halpin of HSBC dives deep into the fast-paced world of payments, where innovation, speed, and security are constantly redefining how businesses operate. With growth across all types of payments surging, he explores the rise of real-time transactions, the global shift to ISO 20022, and how cutting-edge technology is reshaping everything from cross-border transfers to instant payments. Halpin...

In today’s fast-paced digital world, customers expect seamless transactions and instant gratification. In this episode Stephanie Hiersche, Treasury Program Manager at H&R Block, and Sarah Billings, Head of Global Payments at PNC, discuss how instant payments are reshaping the customer experience. They examine how H&R Block is reducing older fee refund processes, reducing costs, and improvi...

In this episode of Payments Nerds, recorded at Fintech Meetup in Las Vegas, Tom Warsop, President and CEO of ACI Worldwide, and David Watson, President and CEO of The Clearing House, dive into the current state – and future – of instant payments in the United States. From the payments tech being ready and scalable now, to what’s holding back adoption, the game-changing potential of cross-border re...

DJ Seeterlin, President of Chesapeake Payment Systems, joins Payments Nerds at Fintech Meetup to share how Chesapeake Bank became a pioneering early adopter of instant payments on the RTP® network. From supporting small truckers to replacing checks, DJ discusses innovation, risk, and strategy – plus how collaboration and curiosity drive new product development in the payments space. ---- Payments...

ABNB Federal Credit Union took a bold step by adding sending capabilities for instant payments in November 2024. The goal? To empower members with seamless money movement 24/7, even during banking holidays. The early results exceeded expectations – 2,300 transactions and over $1.1 million sent in just two months, with an average transaction size of nearly $700. In this podcast, Cassandra Tucker, d...

The individual transaction limit on the RTP® Network is increasing to $10 million, marking a significant milestone in the instant payment system’s seven-year evolution. This move aims to address market demand from the more than 285,000 businesses that are connected to the RTP network through their financial institution and expand use cases, such as real estate/title insurance, B2B/supply chain, me...