Marcia Klingensmith, CEO

Marcia Klingensmith is a globally recognized Instant Payments Maven™ and CEO of FinTech Consulting, LLC—trusted by senior financial leaders across banks, fintechs, and platforms to turn instant payments into scalable, revenue-generating products. With 20+ years of leadership at Visa, Bank of America, Wells Fargo, LexisNexis Risk Solutions, and FIS Global, Marcia is known for navigating the gray space between product, risk, and partnerships—bringing clarity and momentum to complex modernization efforts.

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She brings unmatched depth in instant payments, ISO 20022, AI, APIs, and cloud modernization—underpinned by a proven ability to align multi-stakeholder teams across risk, operations, and product. Her cross-regional experience spans North America, the Caribbean, and Europe, with expertise in use-case monetization, VOC-driven design, and go-to-market planning for send-side capabilities, stablecoins, and multi-rail payment strategies.

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Marcia has guided over a dozen institutions through complex transformations, helping them de-risk launches, modernize infrastructure, and deliver real-time customer value. Her frameworks—SAFE™, SEND™, and the Instant Payments Maturity Assessment™—are used to benchmark readiness and build board-level confidence. Whether she’s shaping cross-border innovation, embedding APIs, or delivering data-driven insights, Marcia empowers clients to act decisively and lead with clarity in a rapidly evolving landscape.

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Ready to move beyond receive-only?

Book a free consultation or reach out for pricing at marcia@fintech-consultant.com. Let’s unlock real value from your instant payments investment.

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