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 finance, stablecoins, and the customer-centric RTP use cases driving adoption across the payments ecosystem.

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 participation, modernize their technology foundations, address fraud concerns with confidence, and prepare for a future shaped by AI, real-time data, and B2B innovation.

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 customer experience during tax season. The episode also dives into fintech expectations, operational challenges, bank adoption of instant payments, and what’s next for faster refund distribution across the banking industry.

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 management to use cases like lending and payroll, Bilski and Lewis highlight how banks can simplify connectivity and deliver faster, more flexible payment experiences for customers.

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 engagement.

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 instant transfers, giving small business owners immediate access to funds. Chi is joined by Anna Garcia, Executive Director, Real-Time Payments at JPMorgan Chase, who details how  the bank partners with Square to power secure, real-time payments over the RTP network, ultimately helping small businesses access funds instantly and operate with greater confidence and control.

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 Management at The Clearing House, also discuss the impact of ISO 20022 adoption, the move toward 24/7 high-value payments, and the innovations shaping the future of global transaction banking and liquidity management.

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 payments, embedded finance, and data insights are redefining competitiveness for banks, corporates, and fintechs worldwide.

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 today’s digital economy.

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 insights on fraud prevention, implementation, and why speed and accessibility matter most to the members who need it every day.