As instant payments scale and embedded finance reshapes distribution, the traditional ownership of the customer payment relationship is under pressure. Networks are expanding capabilities, fintechs are owning the front-end experience, and banks risk being pushed into regulated balance sheet providers. This panel discussion considers opposing views on whether banks can reclaim control—or whether the center of gravity has already shifted. Expect a direct, unscripted debate on who captures value, who owns the customer, and whether banks can realistically compete in a world where payments are increasingly invisible.
The panel discussion will deliberate:
