In this episode of Payments SmartCast, Dave Scola, Chief Product Officer - US for Form3, and Mark Dixon, Senior Consultant for Nacha Consulting, explore key trends shaping the payments landscape today and in the future. 

The conversation covers the rise of instant payments, including top use cases, adoption challenges, and the importance of customer education. As end users increasingly engage with multiple instant payment rails, Scola shares strategic advice for how banks can prioritize product development and investment to offer seamless, flexible payment experiences. Dixon addresses the internal shifts banks must consider optimizing relationships with service providers, emphasizing the importance of agility, collaboration, and future-focused decision-making. 

Ultimately, the industry is missing interoperability. Scola and Dixon identify what it will take to make it a reality, the technical and regulatory barriers that still exist, and the innovations banks should be preparing for over the next few years to stay competitive and customer-centric.