Rewiring the Money Movement Machine for Digital Payment
The payments landscape is undergoing fundamental transformation. Open banking, real-time payments, orchestrated flows and tokenization are merging in unexpected ways, creating new opportunities and risks.
Stablecoins and central bank digital currencies are no longer theoretical; regulatory frameworks are taking shape, compelling banks and payment players to reconsider their roles throughout the liquidity and settlement chain. Money 20/20 is stocked with content addressing the increased use of stablecoins, including a panel discussion with leaders from Chainalysis, Fiserv and Brightside Financial titled “Speaking Stablecoins to Banks.”
The challenge is to build infrastructure capable of seamless operation across legacy rails and tokenized assets, supporting cross-border integration and orchestration at scale. The institutions that treat payments as core infrastructure — investing in embedded finance, merchant enablement and seamless execution — will be positioned to command greater volumes and deliver cross-product economic value.
Advance the Client Journey With Trust, Identity and Embedded Experience
In 2026, competitive advantage is forged at the union of trust, identity and embedded experience. Financial services leaders are leveraging real-time data to shape each customer interaction, tailoring insights and interventions at the moment of need. Money 20/20 has made the customer experience a focal point of several sessions this year, including one with American Express and Plaid titled “Beyond Bots: Creating Meaningful Customer Experiences with AI.”
But agility is only as strong as the trust it inspires. Transparency, consent, human fallback and explainability must underpin every innovation.
Growth increasingly comes from orchestrated, cross-product journeys built on unified identity and preference data — not from siloed offerings. Institutions embedding their services within commerce, insurance and retail platforms will capture greater share by surfacing relevant insights to users precisely when and where they matter most.
Retention and cross-sell, measured by genuine loyalty and customer experience, are fast becoming the industry’s most reliable growth levers as economic discipline returns to the executive agenda. This playbook is designed to help industry leaders chart a strategic course for 2026 — where technology sales and advisory partners will empower financial institutions to build, adapt and thrive in a world defined by speed, trust and purposeful innovation.
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