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Instant Payments Maven™
Keynote Speaker on Payments Modernization, Risk, and the Future of Money Movement
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Stablecoins for Banks: What, How, and Why
Stablecoins are no longer a fringe experiment. With the U.S. GENIUS Act and Europe’s MiCA framework now in force, stablecoins have...
Marcia Klingensmith
Sep 25, 20252 min read
ISO 20022 Competitive Advantage: Beyond Compliance
By November 2025, ISO 20022 will become the universal language for cross-border payments. Many institutions are racing to meet compliance...
Marcia Klingensmith
Sep 17, 20251 min read
Agentic AI + Instant Payments: The Next Rail Race Has Begun
Most financial institutions have already gone live on instant payments — but here’s the truth senior leaders aren’t talking about:...
Marcia Klingensmith
Sep 12, 20252 min read
The Hidden Risks of Staying Receive-Only
Why Receive-Only Inaction Is the Riskiest Move for Financial Institutions Today Most banks and credit unions have already gone live on...
Marcia Klingensmith
Sep 11, 20252 min read
Too Small, Too Risky, Too Soon? 4 Myths Killing Your Instant Payments Strategy
If you’ve ever sat in a leadership meeting and heard, “We’re not ready for Send,” you’re not alone. Across the industry, well-meaning...
Marcia Klingensmith
Sep 3, 20252 min read
Wires Are Still Broken: The Cross-Border Payments Friction Banks Can’t Ignore
Why Cross-Border Payments Remain Broken Despite decades of infrastructure, cross-border wires remain stuck in a slower era of banking....
Marcia Klingensmith
Aug 27, 20252 min read
Receive-Only Instant Payments Is a Liability – What It’s Costing You Not to Send
By Marcia Klingensmith, Instant Payments Maven™ If your institution is live on FedNow ® or RTP ® but hasn’t turned on Send...
Marcia Klingensmith
Aug 18, 20254 min read
The Game Just Changed: JPMorgan’s Data Move and What It Means for Bank Data Monetization
Last month, I had the privilege of presenting to senior financial leaders at the ABA PSAC event on a topic that’s quietly transforming...
Marcia Klingensmith
Jul 15, 20254 min read
Out in the Open: Croí Laighean Credit Union's Transformation Through Open Banking APIs
How a small Irish credit union is showing that Open Banking APIs aren’t just for big banks—success lies in the right partners By Marcia...
Marcia Klingensmith
Jun 23, 20255 min read
Legacy Banking Costs: The Hidden Financial and Strategic Burden on Financial Institutions
Legacy banking systems drain 64% of IT budgets, slow innovation, and increase compliance risks. Modernization is no longer optional.
Marcia Klingensmith
Feb 25, 20255 min read
The Hidden Cost Savings of Instant Payments: How Banks Are Automating for Profit
💡 Instant payments aren’t just faster—they cut costs, reduce fraud, & drive revenue. Stop the misconceptions & start optimizing! 🚀 #Instan
Marcia Klingensmith
Feb 15, 20253 min read
Open Banking vs. Open Finance: Understanding the Differences and Opportunities
Discover the key differences between Open Banking and Open Finance. Learn how these shape the future of finance and unlock new opportunities
Marcia Klingensmith
Jan 6, 20254 min read
Decoding Dodd-Frank 1033: What Financial Institutions Need to Know Now
Discover how Dodd-Frank 1033 transforms financial data sharing. Learn compliance timelines & unlock innovation for your institution.
Marcia Klingensmith
Jan 6, 20254 min read
Instant Payments Maven's Predictions for 2025
Instant Payments Maven’s 2025 Predictions: Embrace instant payments, AI, open banking, and crypto to stay ahead in a transforming financial
Marcia Klingensmith
Jan 1, 20255 min read
Modernizing Payments: A Step-by-Step Guide to Instant Payments Integration
Ready to unlock the power of instant payments? This guide will help you navigate the journey.
#InstantPayments #FinTech
Marcia Klingensmith
Dec 10, 20243 min read
Europe's Race to Real-Time: Seizing the SEPA Instant Opportunity
SEPA Instant Credit Transfer deadlines loom! Is your institution ready? Learn how to seize this opportunity. #InstantPayments #SEPA #FinTech
Marcia Klingensmith
Nov 17, 20243 min read
The Financial Rosetta Stone: Unlocking the Power of ISO20022 in Payments
ISO20022: The Financial Rosetta Stone revolutionizing payments. Standardization unlocks efficiency, reduces costs, and enables innovation.
Marcia Klingensmith
Oct 5, 20243 min read
From Vision to Action: Unlocking the Power of Instant Payments with a Compelling Business Case
Build a compelling business case for instant payments. Increase revenue, reduce costs, and enhance customer satisfaction.
Marcia Klingensmith
Jul 14, 20244 min read
Why Instant Payments Matter: The Shift Towards Real-Time Finance
Gain a competitive edge with instant payments. Unlock the potential for growth and customer loyalty. #InstantPaymentsMaven #FedNow #RTP
Marcia Klingensmith
Jun 30, 20243 min read
Beyond Speed: Unlocking Strategic Applications of Instant Payments for Operational Excellence
Facing pressure to optimize, manage risk, and adapt? Instant payments offer a solution for financial leaders. #instantpaymentsmaven
Marcia Klingensmith
May 31, 20243 min read
instant payments, payments risk, payments governance, payments modernization
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