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We are proud to be payments nerds – we love sharing perspectives on all things payments. The Payments Nerds podcast features expert guests who explore the most important issues, topics and trends to consider in payments today. If you are a payments nerd too, or are a little bit curious about what’s going on the payments world, just download the “Payments Nerds” podcast from The Clearing House.
52 Episodes
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In this episode, we sit down with Pat Mason, CEO of Sun Credit Union, along with Leslie Payne, Sun’s Director of Accounting, and Barb Kren, Member Success Executive at Corporate One, to discuss Sun’s early experience joining the RTP® network. Just days into their instant payments journey, the team shares insights on building the instant payments business case, gaining board support, and navigating implementation with Corporate One. From member benefits to operational efficiencies, this conversation highlights why the RTP network is becoming a critical payments innovation for credit unions.
In this special Payments Nerds® episode, Greg Myers, host of the Leaders in Payments podcast, joins to explore themes that are outlined in the "Women Leaders in Payments" series, including mentorship, risk-taking, and leadership. As a special bonus, you can hear Myers' full interview with Sheffali Welch, COO of The Clearing House, who was part of the "Women Leaders in Payments" series.
In this episode, Deana Bartel of Randolph Brooks Federal Credit Union (RBFCU) discusses how the $18 billion credit union built its instant payments business case. From evaluating ACH transactions and digital wallet flows to addressing fraud, compliance, and staffing concerns, RBFCU shares lessons from its launch on the RTP® network. Hear how the credit union is keeping deposits in-house, preparing for send capabilities, and positioning members for faster, more seamless money movement.
Discover how NFTYDoor is transforming the home equity lending experience with instant payments over the RTP® network. Jonathan Spinetto, NFTYDoor’s Co-Founder, and Ani Narayan of Modern Treasury explore how digital innovation is speeding up Home Equity Line of Credit (HELOC) funding—even on weekends. Learn how automation, real-time payments, and a seamless online process are reshaping lending, improving customer experience, creating a competitive advantage, and giving borrowers quicker access to money when they need it most.
In this episode, GBank EVP and COO Tara Campbell shares her journey implementing the RTP® network at two banks—most recently leading GBank’s go-live with both send and receive capabilities. Learn how GBank built a compelling business case for instant payments by targeting the gaming sector, addressed operational and risk challenges, and collaborated with third-party providers. Tara also offers insights on industry trends, education strategies, and why 24/7 payments are becoming essential for financial institutions of all sizes.
Why are corporates turning to instant payments and where are they seeing the biggest returns? In this episode, payments experts Irfan Ahmad, from Bank of America, and Dr. Leo Lipis of Lipis Advisors, explore the possible obstacles to adopting instant payments, how corporations are addresses these challenges, and how adoption of real-time payments by businesses is accelerating. They dive into compelling instant payments use cases, including gig economy payouts, insurance disbursements, factoring for small trucking companies, high-value B2B transactions, and earned wage access. Learn how instant payments are improving cash flow, enabling digital workflows, and creating better customer experiences.
Building the Better Payments Journey: Innovation, Rails, and Customer ExperienceOn this Payments Nerds® episode, a powerhouse panel of payments experts unpack the evolving landscape of payments in the U.S. From real-time rails to customer expectations, they explore how innovation, data, and collaboration are reshaping the journey. Discover why seamless, secure, and smarter payments matter more than speed alone—and what it takes to meet diverse needs in a decentralized financial ecosystem.
In this episode, Colin Eagan of Veridian Credit Union and Kathy Duffer of First Internet Bank dive into how their institutions navigated the adoption of real-time payments. From building the business case and educating executives to analyzing customer data for instant payment trends, and moving from receive-only to send capabilities on the RTP network, they reveal lessons learned, surprising use cases, and the impact on deposit growth and customer behavior. This episode is must-listen for banks and credit unions that are looking to join the real-time payments revolution.
Devon Marsh from Nacha and Jason Carone from The Clearing House explore the surprising momentum behind the 51-year-old ACH network – and why it’s still growing strong. From record-breaking volumes to the rising demand for faster payments, they unpack what’s fueling ACH growth and how the network remains the payments backbone of the U.S. economy through reliability at scale. The conversation also touches use cases on ACH, the growing volume of same-day ACH, and why offering multiple payment rails – from traditional ACH to the RTP® network – is more important than ever.
Thomas Halpin of HSBC dives deep into the fast-paced world of payments, where innovation, speed, and security are constantly redefining how businesses operate. With growth across all types of payments surging, he explores the rise of real-time transactions, the global shift to ISO 20022, and how cutting-edge technology is reshaping everything from cross-border transfers to instant payments. Halpin shares what HSBC’s payments business is focusing on in 2025, and discusses how businesses are staying ahead in this digital-first landscape.----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Walk West.
In today’s fast-paced digital world, customers expect seamless transactions and instant gratification. In this episode Stephanie Hiersche, Treasury Program Manager at H&R Block, and Sarah Billings, Head of Global Payments at PNC, discuss how instant payments are reshaping the customer experience. They examine how H&R Block is reducing older fee refund processes, reducing costs, and improving customer satisfaction with real-time payments. Learn how this relationship is bridging the gap between traditional and digital payments, giving customers more choice, and improving security. Whether you're a business looking to modernize your payment system or just a curious payments enthusiast, this episode dives deep into the evolving landscape of financial transactions.
In this episode of Payments Nerds, recorded at Fintech Meetup in Las Vegas, Tom Warsop, President and CEO of ACI Worldwide, and David Watson, President and CEO of The Clearing House, dive into the current state – and future – of instant payments in the United States. From the payments tech being ready and scalable now, to what’s holding back adoption, the game-changing potential of cross-border real-time payments, this conversation explores why instant payments are only at the beginning of their journey in the U.S. market.
DJ Seeterlin, President of Chesapeake Payment Systems, joins Payments Nerds at Fintech Meetup to share how Chesapeake Bank became a pioneering early adopter of instant payments on the RTP® network. From supporting small truckers to replacing checks, DJ discusses innovation, risk, and strategy – plus how collaboration and curiosity drive new product development in the payments space.----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
ABNB Federal Credit Union took a bold step by adding sending capabilities for instant payments in November 2024. The goal? To empower members with seamless money movement 24/7, even during banking holidays. The early results exceeded expectations – 2,300 transactions and over $1.1 million sent in just two months, with an average transaction size of nearly $700. In this podcast, Cassandra Tucker, director of operations at ABNB, discusses how the Virginia-based credit union developed its business case and technology, including implementing multi-layered fraud mitigation tools, to bring instant payment send capabilities to all of its members – proving that smaller financial institutions can be leaders with instant payments.----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
The individual transaction limit on the RTP® Network is increasing to $10 million, marking a significant milestone in the instant payment system’s seven-year evolution. This move aims to address market demand from the more than 285,000 businesses that are connected to the RTP network through their financial institution and expand use cases, such as real estate/title insurance, B2B/supply chain, medical insurance, and other larger-scale payments. Matt Richardson, Executive Vice President at Citizens Bank, and Margaret Weichert, Chief Product Officer at The Clearing House, discuss how the increase is responsive to industry demands and provides businesses with more flexibility to execute payments. ----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
David Watson, President and Chief Executive Officer of The Clearing House, joined the Leaders in Payments Podcast to discuss the rapidly evolving world of instant payments, digital currencies, how The Clearing House has evolved during its 170-plus years in the banking and payments space, career advice for aspiring payments professionals, and the safety and soundness of payments rails. This special episode first appeared on Leaders in Payments earlier this year.----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
Margaret Weichert, Chief Product Officer at The Clearing House, joined the Women Leaders in Payments series to discuss her career journey in payments. This episode originally appeared as part of the Leaders in Payments Podcast. On this special episode, Margaret discusses the complexities of leadership and team dynamics, and she candidly addresses the unique challenges faced by female leaders, including strategies to navigate unconscious biases in the workplace. The episode wraps up with a focus on the importance of mentorship, and how the world of payments is rapidly evolving.----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
For many financial institutions (FIs), adding send capabilities is the next step in the instant payments journey. Moving from being a receive-only bank to one that also offers send requires additional functionality, including more robust fraud scoring, enhanced security features, such as multi-factor authentication or biometrics, and operational and technology considerations. IncredibleBank, a Wisconsin-based bank with operations in Wisconsin, Michigan, and more recently southern Florida, is adding instant payment sending capabilities to its payments strategy after initially joining the RTP® network back in March 2020 through its technology partner, Jack Henry. In this episode, Phil Suckow, Vice President of Innovation at IncredibleBank, discusses how his team evaluated risk and operational enhancements as the bank moved to add send capabilities. Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
While many financial institutions initially join the RTP® network as receive-only participants, adding sending capabilities can be done relatively quickly with a sound business plan, a thoughtful approach, and a great technology partner. ABNB Federal Credit Union, which joined the RTP network a few short months ago (May 2024), is already moving to become a send/receive participant. Cassandra Tucker, director of operations at ABNB, discusses how the Virginia-based credit union planned to add send functionality for all of its members when it started its instant payments journey earlier this year with Alacriti, its technology solutions provider. Tucker walks through how ABNB has prepared risk parameters, safeguards, support, and its entire instant payments plan in this Payments Nerds podcast.Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
Joe Casali, host of NEACH’s Wrestling Payments podcast, joins the show to discuss what he has learned about current instant payments trends while recording his podcast, and previews his interview with Rusiru Gunasena, SVP of RTP® Product Management at The Clearing House. Rusiru joined the Wrestling Payments Podcast earlier this month to discuss the RTP networks growth, how instant payments meet customers’ expectations for real-time interactions, and why they should be part of a financial institution’s customer-centric strategy. Listen to the full Wrestling Payments episode here on Payments Nerds, and don’t forget to subscribe to Payments Nerds and Wrestling Payments on your favorite podcast app. To hear this episode and many more like it, subscribe to Payments Nerds on Apple Podcasts, Spotify, or anywhere else you listen to podcasts, or listen below.----Payments Nerds is brought to you by The Clearing House, hosted by Greg MacSweeney, and produced by Earfluence.
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