Head of Digital Payments
Fiserv
Sayantan Chakraborty is a seasoned payments industry leader and currently leads the Digital Payments business at Fiserv. In this capacity, he oversees a broad portfolio of critical payment solutions, helping financial institutions modernize and scale their payment capabilities.
With deep expertise across the payments and banking ecosystem, Sayantan brings a practitioner’s perspective shaped by leadership roles at some of the world’s largest financial institutions. Prior to Fiserv, he served as Global Head of Payments Rails at J.P. Morgan Chase, where he was responsible for core payment infrastructure and networks. He previously led Product for Global Treasury Management at U.S. Bank, driving innovation at the intersection of commercial banking and payments.
Sayantan began his career at Citi in the Global Transactions business, where he held roles spanning Treasury & Trade Solutions, Wealth Management, and Cash Management Operations. This breadth of experience across product, operations, and global payments platforms gives him a unique, end-to-end view of how payments are evolving and how financial institutions can navigate that transformation.
Active across the global payments ecosystem, Sayantan is a frequent speaker at industry conferences and events worldwide, where he shares perspectives on the evolution of payment rails, modernization, and innovation at scale. He has also served on the Board of Directors of NACHA, contributing to the governance and advancement of the U.S. payments network.
Join American Banker and Fiserv for a discussion of new research quantifying the state of digital payments maturity across U.S. banks and credit unions. Based on a blind survey of 381 financial institution leaders, the study introduces a Digital Payments Maturity Index benchmarking institutions across 20 capabilities, from foundational services to instant payments, ISO 20022 compliance and stablecoin enablement.
The research shows clear differences in digital maturity across institution types and a strong link between higher maturity and improved outcomes in customer experience, fraud mitigation, compliance, revenue growth and efficiency.
This luncheon session will explore:
· What distinguishes Legacy Operators, Progressive Movers and Trailblazers.
· How instant payments (FedNow and RTP), ISO 20022 and stablecoins are reshaping competitive positioning.
· Where integration, legacy infrastructure and cybersecurity risks are creating friction.
· How leading institutions are structuring governance, vendor strategy and execution for measurable impact.
· Practical steps to accelerate progress along the digital payments maturity curve.