10:10 AM Wednesday, 10:10 AM - 11:00 AM (0 hours 50 minutes) Pay By Bank: Unbundling the Payments Value Chain Event In-person Track Disruptive Ideas & Technologies U Utkarsh Agarwal Managing Director, Payments J.P. Morgan S Silvana Hernandez Executive Vice President, Products and Engineering, North America Mastercard T Thomas Lopes Senior Vice President, Payment Products M&T Bank