In this episode, John Cetina, co-founder of ARDECO, shares his extensive experience in banking technology and discusses the future of financial infrastructure, cross-border payments, and the role of technology in financial inclusion.

key topics

Banking infrastructure evolution

Cross-border remittance challenges

Real-time payment systems

Financial inclusion through technology

Regulatory and technological barriers

key frameworks

Real-time Payment Systems

Financial Inclusion Strategies

action items

Focus on building scalable, real-time banking infrastructure

Prioritize understanding local regulations in target markets

Start with basic solutions and upgrade gradually

Titles

Revolutionizing Cross-Border Payments with Art Deco

The Future of Banking Infrastructure: Insights from John C

sound bites

"Technology is the easy part."

"We don't have real-time payments yet."

"The gap is very easy to target."

Chapters

00:00 Introduction to Art Deco and John Cetina

00:54 John's Journey in Banking Technology

05:14 Identifying Gaps in Financial Services

14:03 The Importance of Local Payment Rails

19:07 Challenges in Building and Scaling Art Deco

24:36 Future Vision for Art Deco

28:39 Lessons Learned and Advice for Entrepreneurs

guest links

LinkedIn - https://www.linkedin.com/in/john-cetina-56929538b/

keywords

FinTech, banking technology, cross-border payments, financial inclusion, real-time payments, stable coins, digital transformation, Art Deco, banking infrastructure, John Cetina, Ardeco, cross-border banking, global banking infrastructure, banking technology, fintech infrastructure, core banking modernization, real time payments, local payment rails, ACH payments, Zelle payments, PIX Brazil, FedNow, banking APIs, composable banking, Mambu partnership, financial inclusion, immigrant banking solutions, LATAM banking, US banking system, remittance alternatives, banking innovation, digital transformation in banking, fintech strategy, AI in banking, regulatory fintech, enterprise banking software, AI InterConnect podcast

3. Hashtag Block (40–50 Hashtags)

Brand & Guest

#AIInterConnect #Podcast #JohnCetina #Ardeco #AIInterConnectPodcast

Industry & Topics

#Fintech #BankingTechnology #CrossBorderBanking #CoreBanking #BankingInfrastructure #RealTimePayments #FedNow #PIX #Zelle #ACH #ComposableBanking #DigitalBanking #FinancialInclusion #BankModernization #APIBanking #BankingInnovation #FintechStrategy #EnterpriseFintech #BankingSystems #RegTech #GlobalBanking

Audience & Goals

#BankLeaders #FintechFounders #DigitalTransformation #InnovationInFinance #BankingGrowth #TechDrivenFinance #FutureOfBanking #GlobalExpansion #CrossBorderPayments #BankingStrategy #ModernFinance #FintechGrowth #InfrastructureFirst #StrategicPartnerships

Location

#USBanks #LatinAmericaBanking #BrazilFintech #MexicoBanking #ColombiaFintech #GlobalPayments #EmergingMarkets #NorthAmericaFintech

4. Optimized Video Description (120–150 words)

John Cetina, Co-Founder and CEO of Ardeco, joins AI InterConnect to break down the real future of cross-border banking infrastructure. In this episode, John explains why real-time payments are still misunderstood, how local payment rails like ACH, Zelle, and PIX shape global transactions, and why core banking modernization is critical in 2026.

Ardeco focuses on helping financial institutions offer true cross-border account control instead of relying on remittance intermediaries. John shares insights from 25 years in banking technology, discusses the renaissance of core systems, and explains why infrastructure must come before AI hype.

If you’re a fintech founder, bank executive, or infrastructure builder, this episode delivers strategic clarity.

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