The American Worker faces a daunting challenge each month to pay bills on time and  stay out of debt amid such a turbulent economy. However, DailyPay has joined forces with The Clearing House to revolutionize the way money moves from employer to employee in a fast, safe, reliable way. Through this partnership, employees are now empowered with choice and control over their pay to address immediate financial needs. This session will explore how this innovation in payments technology addresses the asynchronous movement of money caused by the traditional pay cycle, helping millions to pay bills on time.

• Learn the metrics showcasing the tangible positive impact earned wage access can bring to an organization and its employees.
• Hear about the strategic partnership between DailyPay and The Clearing House and how it’s revolutionizing money movement.
• Understand the benefits for bank/financial institutions in offering earned wage access to their business clients as a true value-add.

The session will explore and probe the growing desire by consumers and businesses to have access to send/receive instant payments capabilities—affording them more convenience, greater control over cash flow, and faster access to funds—the monetization opportunities for the range of instant payment providers, the risks around fraud, and the compliance and technical hurdles that have to be overcome.

Among the things to be discussed:

• Payment always follows something, what are the ‘killer-apps’ that will accelerate usage for instant payments among consumers, recurring billers, retailers and other stakeholders?
• How do FedNow, RTP and other instant payment schemes change the business model  for expedited direct bill payments, Pay-By-Bank decoupled debit, Account-to-Account transfers (A2A), Business-to-Business invoices (B2B), Peer-to-Peer (P2P), same-day payroll and new greenfield applications?
• Why send/receive capabilities for instant payments are important for banks, retailers, recurring billers, fintechs and disrupting new entrants in the value chain?
• What will jumpstart the slow adoption of Request for Payment (RfP) and why?
• How to mitigate the heightened risk of fraud with instant payments.
• How FedNow, RTP and other novel instant payment approaches are creating opportunities for retailers, subscription and recurring billers to bypass card networks, reduce interchange fees and reshape payment ecosystems with Pay-By-Bank and Electronic Invoice Presentment & Payment (EIPP).
• What role recurring billers and retailers’ advocacy will play in driving consumer and business adoption of instant payments at the edge of the network, particularly for Gen Z, Millennials, small businesses and disrupting fintechs prioritizing real-time cash flow solutions.

Explore how innovative technologies are transforming traditional banking operations to better meet customer needs and regulatory demands. Learn how automated KYC and reconciliation tools streamline compliance, and discover how sub-accounts are enabling tailored solutions for wide ranging use cases like HR benefits and property management. Gain insights into embedding risk management and fraud prevention tools, from account validation to velocity limits, while seamlessly integrating partners like investment management and FX hedging with single sign-on (SSO). This session will showcase practical strategies to enhance competitiveness, manage risk, and stay ahead of evolving regulations.

ServiceNow | Celonis

With each generation adopting payment technologies at its own pace, banks, financial institutions and businesses face unique challenges and significant opportunities in how they educate consumers and corporates on the breadth of payment options at their disposal. This session explores strategies to effectively communicate and promote the benefits of AI-driven mobile, immediate and embedded payment solutions, digital wallets, account-to-account payments, buy now, pay later services and Web 3.0 in payments.

Among the things you’ll learn:

• Tailored Communication Strategies: Learn how to craft targeted messaging for different generations to enhance understanding and trust in AI, mobile payments, and other emerging payment technologies.
• Overcoming Barriers to Adoption: Gain insights into the common concerns and challenges each generation faces with new payment methods and explore practical solutions to address these barriers effectively.
• Building Cross-Generational Trust: Discover techniques to bridge generational divides, ensuring that every age group feels secure, informed, and empowered to adopt modern payment technologies confidently.
• Fraud and risk mitigation: Steps to educate consumers on how they can help protect themselves against fraud.

By tapping into the collective wisdom of banking leaders on their predictions of what lies ahead for payments in 2025 and beyond, you’ll be better informed on how to capitalize on potential opportunities and mitigate possible challenges.

Among the things you’ll learn

• What are the biggest catalysts driving investments in payments.
• How do banking leaders view the expected impact of the new Presidential administration on global payments.
• What’s driving bank and fintech partnerships for payments innovation.
• Which payments technologies are banking leaders most interested in offering including crypto, wearables, embedded payments and more.

The explosive growth of embedded finance globally confirms a radical shift by consumers and businesses to financial services that are instant, convenient and tailored to meet their individual needs, particularly around payments and lending. The vast opportunities to create new distribution channels, reduce customer acquisition costs and increase revenue streams for banks, however, are not without risks. Operational models can be complex and regulatory liability is mounting, with increasing pressure for sponsor banks to manage risks tied to Know-Your-Customer and anti-money-laundering requirements across partnerships with Banking-as-a-Service (BaaS) providers and end brands.

Among the things you’ll learn:

• The revenue opportunities for banks and their partners across the swiftly evolving embedded finance landscape.
• How to establish an embedded finance model that mitigates operational risk and ensures adherence to regulatory compliance.
• Optimizing partnerships by working with BaaS providers and end brands with demonstrated track records of sound operational risk processes, compatible, scalable technological infrastructures, and transparent data management.

In today’s ever-evolving payments landscape, customers expect secure and reliable options to meet their individual and business payments needs while being able to seamlessly connect and complete transactions. The digital transformation that is currently underway, as well as the critical role that data plays in the financial services industry, is reshaping the payments environment and the overall customer experience. This session will dive into how leveraging modern technologies and optimizing data to streamline processes and enhance decision making can bring unique insights and strategies to organizations to help them stay ahead of the game in this fast-paced digital economy.

Among the things you’ll learn:

• Data as an integral element in payment processing: By having better data and utilizing that data, many aspects of the payments environment will improve, including enhanced fraud detection and security, an improved customer experience, better risk management and credit scoring, optimized payment routing, increased regulatory compliance, and data-driven insights for businesses.
• Adopting modern payment infrastructure: How using API-driven platforms can facilitate payment processing.
• Cloud-native solutions: By continuously modernizing payment systems, organizations can offer cloud native solutions for increased scalability, resiliency, and availability; enabling rapid updates and integration of new payment methods and capabilities.
• Seamless user experience: Customers can have an improved experience if a variety of convenient payment options – credit/debit cards, digital wallets, bank transfers, and BNPL (Citizens Pay) are available, reliable, and secure.
• Open APIs/banking as a service: By seamlessly integrating financial services into customers’ favorite apps and platforms, customers will have greater convenience and faster access to payments and other financial services. This is a personalized and real-time approach that will enhance the overall user experience, saving time and making financial management easier and more intuitive for customers.