Beyond the Swipe: Unlocking Hidden Payments in the Card Ecosystem

Every card transaction relies on a hidden network of payment flows that power the global ecosystem. These behind-the-scenes movements—partner settlements, merchant payouts, bill payments, and alternative funding flows—are critical yet often overlooked. As the industry evolves, these flows face growing pressure for modernization, transparency, and speed. This session explores how innovation is transforming settlement, reconciliation, and payout processes, and how emerging technologies are reducing friction and enhancing liquidity. Speakers examine the opportunities and risks of accelerating these flows, from operational and compliance challenges to fraud exposure, and discuss how faster payment rails can reshape the experience for businesses and consumers alike. Attendees will gain insights into strategies for building resilient, efficient, and future-ready infrastructures that support seamless value movement across every layer of the card ecosystem.