Smarter AND Faster: Real-Time Payments Meet Intelligent Design

As financial institutions and fintechs rush to implement real-time payments, the conversation too often centers on speed alone. But in a world where ACH and the instant payments networks coexist, the true competitive advantage lies in designing smarter payment experiences, where speed is matched by strategy, orchestration, and data intelligence. This session explores how financial organizations can move beyond faster and into smarter by embracing intelligent payment routing, enhanced remittance data, and ISO 20022 as the foundational framework. Attendees will learn how to leverage the strengths of each rail, for reliability, for rich messaging, and for accessibility, while using ISO 20022 to unify messaging and streamline operations. The session will highlight case studies of how organizations are embedding logic into payment decisioning, automating exception handling, and improving client UX by making payment flows dynamic and context-aware. Whether you're modernizing legacy infrastructure or building from scratch, this session provides a blueprint for designing real-time payment capabilities.