From Plumbing to Platform: How Regional Banks Are Reinventing the Payments Business

As payments modernization accelerates, regional banks are facing decisions that go far beyond selecting new payment rails or upgrading technology. This panel explores how banks are rethinking their payments business strategy, including what to build, what to retire, where to create new revenue opportunities, and how AI is reshaping operational decision-making. Panelists will discuss modernization trends across the industry, the shift toward coexist-and-orchestrate architectures, and how institutions are balancing innovation with practical implementation realities. The session will also examine how leading banks are approaching pricing, real-time payments, fraud management, and AI-driven oversight. This discussion provides a strategic framework for evaluating the future of payments modernization. Attendees will leave with a clearer understanding of the key decisions that will define their institution’s payments strategy through 2030.