CEO of FISPAN, explains how embedded intelligence is transforming the bank–corporate relationship. She shares how embedding treasury services directly into ERP workflows unlocks richer data, smarter decisioning and more seamless experiences, and why AI has the potential to reshape bank–fintech collaboration once it moves beyond hype to real use cases.Jaime Zetterstrom, VP of Product and Innovation at Somos Inc. brings a practitioner’s view on modernising payment operations, improving customer experience, and navigating the shift toward real‑time rails and intelligent automation.Finally Steve Kramer, VP of Product at Paynearme, closes the episode with insights on fraud prevention, operational resilience and the evolving expectations of both consumers and corporates in a faster‑payments world.A wide‑ranging, insight‑rich episode capturing the realities of modern payments, where identity, intelligence, collaboration and customer‑centric design must all work together to keep pace with innovation.