Follow Fast: Instant Payments Strategy for 2026 and Beyond
Angela Murphy Overview:
This session shows how “fast followers” can translate market momentum on FedNow and the RTP Network into practical revenue, cost, and experience wins. We’ll cover where adoption is strongest, which use cases monetize first, how to build an ROI-backed roadmap, and what it really takes to operationalize 24/7 payments (ISO 20022 readiness, fraud guardrails, liquidity, monitoring). You’ll leave with a prioritized playbook-quick wins now, scale-up next-grounded in current data and proven patterns.
Why you should Attend:
If you wait, your competitors will lock in treasury clients, set the price anchors, and normalize 24/7 experiences-while your cost-to-serve and fraud exposure keep climbing. The window is open now, but it won’t stay open.
Areas Covered in the Session:
- Market reality check: where FedNow and RTP growth is most compelling-and what that means for fast followers
- Monetizable use cases you can pilot now (same-day payroll, instant B2B supplier payments, insurance payouts, 24/7 liquidity sweeps)
- Cost & pricing levers: aligning fee structures to new rail economics; reducing exception handling and channel confusion
- Data→action: displacement modeling, ROI projection, and building an analytics backbone for instant-payment decisions
- Operating model must-haves: ISO 20022, 24/7 staffing/monitoring, vendor/API due diligence, fraud controls
- A staged roadmap: readiness assessment → targeted pilots → scale & monetize (treasury services, tiered pricing)
Who Will Benefit:
- Heads/Directors of Treasury & Payments Product
- CFO, Controller, Corporate Treasury Leaders
- Operations & Payment Ops Managers
- Fraud/Risk & Compliance Leaders
- IT/Core & Digital Banking Leaders
Speaker Profile
Angela Murphy Ph.D.-widely known as Payments Elsa-is a leading voice at the intersection of faster payments, artificial intelligence, and fintech innovation. With a Ph.D. and years of hands-on experience in B2B payments, solutions integration, and financial technology, Angela bridges the gap between emerging technologies and practical strategy, helping financial institutions transform how money moves.
A trusted advisor and strategist, Angela works with banks, credit unions, and fintechs to navigate the complexities of real-time payments, behavioral AI, and digital infrastructure modernization. Her work is grounded in deep market insight and a relentless drive to make complex financial concepts clear, actionable, and inclusive-for industry leaders and everyday users alike.
Angela is a graduate of the PayTech Women Executive Academy and the Money20/20 RiseUp program, and she was named the 2024 Emerging Trendsetter by PayTech Women. She is also a Founding Fellow of Coruzant Technologies and a passionate advocate for diversity, equity, and representation in financial services and technology.
A dynamic speaker and educator, Angela frequently delivers webinars and guest lectures for institutions such as UC Berkeley, the University of Missouri’s Bloch School of Business, and the Regnier Institute for Entrepreneurship and Innovation. Her thought leadership has been featured across global podcasts and media, including The Payments Podium, Cybersecurity Matters, PCN, Off the Rails, Wrestling Payments, and Versatile Ph.D.