Managing Director, Corporate Strategy
Fifth Third Bank
Andrew Dresner is an MD in Corporate Strategy at Fifth Third Bank. He focuses on Commercial Payments, working with the bank’s market leading NewLine unit. In his spare time, Andy authors the “Payments in Full” Substack with 2,000+ subscribers. Prior to his time with 5/3, Andy was a Partner in McKinsey’s payments practice where he served issuers, acquirers, networks, processors, Fintechs and financial sponsors. Before McKinsey, Andy was Head of Integrated Payments Strategy at JPMorganChase, where he led strategy for both wholesale and retail payments. Andy was JPM’s lead on the formation of Zelle and served on the Zelle Advisory Committee for many years. Prior to JPM Andy was a Partner at Oliver Wyman Financial Services where he focused on Payments topics.
Account-to-account (A2A) payments are moving from a low-cost alternative to cards into a core strategic capability for banks, reshaping how money moves, how value is captured, and how customer relationships are owned.
This panel brings together senior bank leaders to examine how A2A payments will evolve in 2026 and beyond, and what that evolution means for revenue models, infrastructure investment, risk, and competitive positioning. The discussion will explore the shift from batch to real-time rails, the impact of open banking and API-driven payments, and how banks can move from simply providing access to delivering differentiated, monetizable A2A experiences.
Panelists will debate where banks should lead, where they should partner, and where they risk being disintermediated, particularly as fintechs, merchants, and embedded finance players increasingly sit between banks and end customers. Discussion points to include A2A as a strategic asset (not a utility); real-time payments and customer expectations; monetization and business models; open banking, APIs, and control of the customer experience; risk, fraud, and trust; the future of cross-border A2A and interoperability.