Head of Enterprise Banking and Open Banking
Regions Bank
Tim is a seasoned payments executive with extensive industry experience, currently serving as the Executive Vice President of Enterprise Payments and Open Banking at Regions Bank. In this role, Tim spearheads the bank’s enterprise payments strategy, focusing on the bank’s adoption, implementation, and innovation of new payment technologies such as instant, cryptocurrency and legacy payment systems. In addition, he also oversees the ban’s enterprise open banking strategy including both data sharing and data aggregation objectives. His strategic vision and expertise are key contributions to Regions’ evolution of its digital payments’ capabilities.
Before joining Regions in 2020, Tim served in leaderships roles at The Clearing House, a private sector, banked owned competitor to the Federal Reserve Bank’s financial services. During his tenure at The Clearing House he made leadership contributions in payment advocacy, product development, business development and overseeing the company’s third strategic partnership program. His expertise and innovative approach not only helped The Clearing House to shape the evolving landscape of the U.S. payments industry but also foster collaborative advancements across the industry.
Tim currently serves on the Nacha Board of Directors and The Clearing House Payments Company Board, reflecting his commitment to influencing and advancing payment systems nationally. Furthermore, he has lent expertise in a consultative role to several central banks around the globe, including those of Trinidad and Tobago, Bangladesh, and South Korea, advising on payments modernization and payments innovation.
Digital wallets are rapidly becoming the primary interface for consumer spending, digital identity, loyalty and emerging real-time and tokenized payment rails. As the financial industry moves into 2026, the acceleration of wallet adoption is no longer a trend at the margins—it’s reshaping the economics, customer relationships, and competitive dynamics of retail and commercial banking. This panel brings together leaders from banking, payments, fintech, and big tech to unpack what’s driving the surge and how banks must respond.
The panel will delve into the drivers behind wallet dominance, the shift from card rails to platform- and real-time-centric payments, how wallets are rewriting the bank-customer relationship, and the strategic implications for banks and the priority to establish wallet-first customer strategies. Bankers will leave with a clear understanding of the forces accelerating digital wallet adoption, the threats and opportunities it creates for banks, and a pragmatic framework for building wallet-ready capabilities and partnerships that strengthen customer engagement rather than weaken it.