INDUSTRY ORGANIZATION THOUGHT LEADERSHIP

Faster Payments Council: Operations, Stablecoin/Digital Assets, B2B Use Cases, Financial Inclusion, Cross-Border, Fraud RFI workgroup committees

NACHA Innovation Alliance: Cybersecurity & Payments AI; Navigating through Digital Payments workgroups

 

CONFERENCE SPEAKING ENGAGEMENTS

Axis: Designing Money Movement as an Experience (Orlando, FL: 4/24/26)

Axis: How Fis Deliver Instant Issuance and Secure Digital Card Experiences (Orlando, FL: 4/24/26) 

Axis: Send Adoption at Scale: A Multi-Rail, Multi-Vendor Perspective on Real-Time Payments (Orlando, FL: 4/23/26)

Faster Payments Council Spring 2026 Member Meeting: B2B Cross-Border Payments: Expert Insights on Faster Payments (Oxon Hill, MD: 2/27/26)

SIBOS – SWIFT Stage: Efficiency and Data Monetisation cases for ISO 20022 (Frankfurt, Germany: 10/1/25)
ABA PSAC: Out in the Open – Banks Embrace APIs (Washington DC: 6/11/25)

Edge25: Collaboration Workshop: Open Banking, API Integration (Las Vegas, NV: 5/9/25)

Edge25:  Out in the Open: Credit Unions Embrace APIs for Greater Financial Inclusion (Las Vegas, NV: 5/8/25)

Kinfos Instant Payments & Fraud Summit: The Future of Instant Payments: Unlocking New Opportunities & Overcoming Challenges (Charlotte, NC: 4/23/25)

Faster Payments Council Member Meeting: Open Banking, CFPB1033, & Unlocking Financial Opportunities (4/23/25)

FinTech MeetUp: New Payment Demands Driving PayTech Innovation (Las Vegas, NV: 3/10/25)

FinTech Islands 2025: The Evolution of Modern Payment Systems: Exploring the State of the Art (Barbados:  1/22/25)

NEACH 2024 Future of Payments Symposium: Workshop – Thrive in the Instant Payments Era  (Providence, RI: 9/15/24)
FinTech South: Instant Payments – Unlocking the Power of Faster Transactions  (Atlanta, GA: 8/27/24)
MPC Event: Is Pay by Bank a Sustainable Strategy – Instant Payments (FedNow & TCH) Adoption (Atlanta, GA: 8/14/24)
Women in Payments LATAM Symposium: Real Time Payments – Positioning and Profitability  (Miami, FL: 6/4/24)
Faster Payments Council Spring Member Meeting 2024: Revolutionizing Cross Border Payments (3/27/24)
2024 Identity & Payments Summit: Bridging the Gap in Banking Payment Operations: Navigating the Convergence of Legacy Systems and FinTech (2/27/24)
FinTech Islands 2024: Future of Commerce – FinTech on Main Street: Lifting Up Small Businesses (Barbados: 1/27/24)

Americas Cash Cycle & Payments Seminar: How will AI Revolutionize the Cash Cycle & Digital Payments (Orlando, FL: 11/30/23)
Kinfos Real Time Payments & Fraud Management Summit: Navigating the Future of Transactions: Speed, Security and Strategy in Real-Time Payments Revolution (11/14/23)

 

PODCAST & WEBINARS

IEEE Smarter Cities Raleigh Durham: Agentic Commerce and the Governance Gap (7/2/26)

Treasury Whisperer’s Talkcast Podcast: The Instant Payments Maven’s Instant Payments Reality Check with Marcia Klingensmith (Candescent) (6/24/26)

The Clearing House Payments Nerds Podcast:  Instant Payments at a Tipping Point: Marcia Klingensmith on RTP® Send Adoption, Modernization, and B2B Payments  (6/18/26)

Mastercard Digital Safari TV: Instant Payments Demand Real Time Decisions (4/15/26)

Instant Payments Decoded: Embedded & Instant: The New Playbook for Payables and Payment Rails (9/24/25)

Instant Payments Decoded: When Seconds Matter: How FedNow + RTP Are Changing the Game for Payouts (8/20/25)

Instant Payments Decoded: Stablecoin, FedNow, or CBDC? What to Use When – And Why It Matters Now (7/23/25)

Instant Payments Decoded: Unlock the Future of Cross-Border Payments (6/18/25)

PayCLT: Mastering Open Banking: Building a Winning Strategy (Virtual: 4/16/25)

Instant Payments Decoded: Lessons from India’s UPI: Transforming Payments at Scale (3/19/25)

PayCLT: Unlocking Opportunities with Open Banking (2/19/25)

Instant Payments Decoded: Artificial Intelligence in Instant Payments (2/12/25)

Instant Payments Decoded: Unlocking Product Innovation and the Path to Modernization (1/15/25)

Instant Payments Decoded: Decoding Dodd-Frank 1033 Open Banking Comes to the US (12/18/24)
Instant Payments Decoded: Unlocking Payments Modernization with Form 3 (12/4/24)

NEACH Instant Payments: The Catalyst for Financial Inclusion and Digital Transformation (11/13/24)
PSP Angels: Instant Payments: A Roadmap to Payments 2025 and Beyond (10/17/24)
PayCLT Webinar: ISO 20022 Readiness: Learning from International Success  (08/28/24)
Oracle/CGG Webinar: Encouraging ISO 20022 adoption in the US  (07/18/24)
PayCLT Webinar: Efficient and Transparent Cross-Border Payments with StoneX (1/18/24)
PCN Payments Beats Podcast: Unlocking 3DS: Evolution & Future in Payments (1/16/24)  
Pioneers in Payments Podcast: Payment Trends  (12/4/23)
PCN Payments Beats Podcast: Enabling small and mid-size institutions for Instant Payments (11/28/23)
Alacriti Payments Podcast: Instant Payments and Lending (11/1/23)
PCMI LATAM Payments Coffee Chat: Evolution of Real-Time Payments: What to Expect from FedNow (8/21/23)
Payments Professor Podcast: Helping financial institutions connect to FedNow (6/30/23)
Finders Product Leaders Panel: The Future of FinTech (4/13/22)
Accounting Association: Fraud Trends to Watch in 2022: Adapting to a Post-Pandemic World  (12/21/21)
Digital Lenders Association of India: Stopping Digital Lending Fraud Throughout the Online Journey  (4/13/21)

 

PUBLICATIONS

Instant Edge Substack (7/22/26) The Payment That Knows Too Much (link)

Instant Edge Substack (7/15/26) The Confident Instant-Enabled Bank (link)

Instant Edge Substack (7/8/26) Stablecoins Won’t Replace Instant Payments. They’ll Sit on Top of Them (link)

Instant Edge Substack (7/1/26) They Are Already On the Next Layer (link)

Instant Edge Substack (6/24/26) The Offer Nobody Built (link)

Instant Edge Substack (6/17/26) The New Counterparty Doesn’t Call Back (link)

Instant Edge Substack (6/10/26) The Signal Was There. Only One Bank Read It (link)

Instant Edge Substack (6/3/26) Trust Can’t Reset Every Time a Customer Clicks (link)

Instant Edge Substack (5/27/26) You Don’t Pick a Rail. You Design the Switchboard  (link)

Instant Edge Substack (5/20/26) The Deposit Didn’t Leave But It Might (link)

Instant Edge Substack (5/13/26) Your Legacy Architecture Just Became Your Biggest AI Cost (link)

Instant Edge Substack (5/6/26) Fraud and Payments are One System (link)

Instant Edge Substack (4/29/26) The Foundation You are Building is Bigger Thank You Think (link)

Instant Edge Substack (4/15/26) Send is Table Stakes Now (link)

Instant Edge Substack (4/22/26) If Money Moves in Seconds, So Must Decisions (link)

Instant Edge Substack (4/15/26) Send is Table Stakes Now (link)

Instant Edge Substack (4/9/26) Instant Isn’t a Feature. It’s a Condition (link)

Instant Edge Substack (4/1/26) Risk Doesn’t Rise. It Surfaces (link)

Instant Edge Substack (3/25/26) Governance is the Growth Strategy (link)

Faster Payments Council (7/22/26) Stablecoins as a Cross-Border Payment Method (link)
Instant Edge Substack (3/18/26) They Skipped the Foundation. Again (link)

Instant Edge Substack (03/11/26) Speed is Easy. Accountability is the Hard Part (link)

Instant Edge Substack (03/04/26) Stop Waiting on Your Core (link)

Instant Edge Substack (02/25/26) Beyond the Tipping Point: Modernization is Moving Across Entire Ecosystem (link)

Instant Edge Substack (02/18/26) Modernization is at a Tipping Point (link)

Candescent (2/12/26) Fraud Risk is Everywhere. Here’s how to Protect Your Customer and Member Journey (link)

Instant Edge Substack (02/11/26) When Modernization Adds Drag (link)

Instant Edge Substack (02/04/26) Architecture-First Thinking Makes Modernization Less Risky (link)

Instant Edge Substack (01/21/26) Instant Payments Don’t Break Systems. They Expose Them (link)

Instant Edge Substack (01/14/26) The Risks That Keep Growing When Architecture Doesn’t Change (link)

Instant Edge Substack (01/07/26) Modernization is an Architecture Problem (link)

Instant Edge Substack (12/31/25) What It Will Take to Lead the Next Era of Instant Payments (link)

Instant Edge Substack (12/17/25) Programmable Liquidity and End of the End of Deferred Decisions (link)

Instant Edge Substack (12/10/25) What Multi-Rail Orchestration Really Means (& Why Your Treasury Should Care) (link)

Instant Edge Substack (12/03/25) From Receive-Only to Revenue-Ready: Inside an 8-Week Transformation (link)

Instant Edge Substack (12/01/25) SAFE to SEND: A Risk-First Framework for Enabling Instant Payments Send (link)

Instant Edge Substack (11/26/25) Send is the New Service: How Instant Payments Create Fee-Based Growth (link)

Instant Edge Substack (11/19/25) Why Compliance Needs a Seat at the Innovation Table (link)

Instant Edge Substack (11/12/25)  When Risk and Product Finally Speak the Same Language  (link)

Instant Edge Substack (11/5/25)  Beyond Instant: How Programmable Settlement Rewrites the Balance Sheet (link)

Instant Edge Substack (10/29/25)  We’re Entering the Age of Agentic Commerce  (link)

Instant Edge Substack (10/22/25)  Defense in Depth: Why Fraud Isn’t the Enemy  (link)

Instant Edge Substack (10/15/25)  When Money Never Sleeps: Managing Liquidity in a 24/7 World  (link)

Instant Edge Substack (10/8/25)  Agentic AI & the Future of Programmable Payments (link)

Instant Edge Substack (10/1/25)  FedNow, RTP, or Stablecoins? The Rail Fit Playbook (link)

Instant Edge Substack (9/29/25)  Embedded & Instant: Why the Future of B2B Payables is Being Written in ERP (link)

Instant Edge Substack (9/29/25)  From Receive to Send: Operational Lessons For Instant Payments (link)

Instant Edge Substack (9/24/25)  Stablecoins 101 for Financial Institutions: What They Are, How They Work, and Why it Matters  (link)

Instant Edge Substack (9/18/25)  Agentic AI: The Brain on Top of the Rails (link)

Instant Edge Substack (9/17/25)  ISO 20022: Beyond Compliance to Competitive Advantage (link)

Instant Edge Substack (9/10/25)  The Hidden Risks of Staying Receive-Only (link)

Instant Edge Substack (9/3/25)  Too Small, Too Risky, Too Soon? 4 Myths Killing Your Instant Payments Strategy (link)

Instant Edge Substack (8/27/25)  Wires Are Still Broken: Inside the Cross-Border Friction Banks Can’t Ignore (link)

Instant Edge Substack (8/20/25)  No One Got Fired for Playing It Safe—Until Now (link)

Instant Edge Substack (8/14/25)  Receive-Only Is a Liability: What It’s Costing You Not to Send (link)

Finopotamus (5/28/25) The Future of Banking is Open: Key Takeaways from the EDGE25 API Session  (link)

Authority Magazine (5/27/25)  Marcia Klingensmith Of FinTech Consulting On The Future of Money and Banking (link) 

FTC (2/25/25) Legacy Banking Costs: The Hidden Financial and Strategic Burden on Financial Institutions (link)

FTC (2/15/25) The Hidden Cost Savings of Instant Payments: How Banks are Automating for Profit (link)
FTC (1/6/25) Open Banking vs Open Finance: Understanding the Differences and Opportunities (link)
FTC (1/6/25) Decoding Dodd-Frank 1033: What Financial Institutions Need to Know Now (link)
FTC (1/1/25) Instant Payments Maven’s Predictions for 2025 (link)

FTC (12/10/24) Modernizing Payments: A Step-by-Step Guide to Instant Payments Integration (link)
PSP Angels (11/18/24) Europe's Race to Real-Time: Seizing the SEPA Instant Opportunity (link)
LI (10/7/24) The Financial Rosetta Stone: Unlocking the Power of ISO 20022 in Payments (link)
PCMI (8/22/24): Benefits of Instant Payments for SMBs in the United States (link)
PCMI (7/22/24):  Instant Pay and the On-Demand Economy: Transforming Financial Stability in the US (link)

LI (7/15/24) From Vision to Action: Unlocking the Power with a Compelling Business Case (link)
LI (7/8/24) Beyond Speed: Unlocking Strategic Applications of Instant Payments for Operational Excellence (link)

LI (7/1/24) Why Instant Payments Matter: The Shift Towards Real-Time Finance (link)
LI (5/30/24) The Buzz Around Elon Musk’s P2P Payments: The Instant Payments Maven’s Perspective (link)
LI (5/28/24) Elon Musk’s X and the Instant Payments Opportunity: A Fintech Musing (link)

PCN (1/10/24) : Q&A With Vijay Anand at Mastercard – Unlocking Innovation: Instant Payments and ISO20022 (link)

LI (11/1/23): The power of instant payments in payroll: Driving financial inclusion (link)

Yahoo! Finance (10/18/23): Instant Payments key to survival of financial institutions with FinTech Consulting building a roadmap for success (link)