Executive Editor, Technology
American Banker
Penny Crosman is Interim Editor-in-Chief at Digital Insurance and Executive Editor, Technology at American Banker and Arizent. Prior to taking on these roles, she was Editor in Chief of Bank Technology News and Technology Editor of American Banker. She has held senior editorial roles at Bank Systems & Technology, Wall Street & Technology, Intelligent Enterprise, Network Magazine and Imaging Magazine.
The future of payments will not be defined by a single network—but by the ability to move seamlessly across many. Banks must operate across RTP, cards, tokenized deposits, and multiple blockchain environments, all while maintaining compliance and control.
This fireside chat focuses on interoperability as the new competitive advantage. Learn how institutions are approaching cross-rail orchestration, integrating on-chain and off-chain systems, and positioning themselves as connectivity hubs in an increasingly fragmented ecosystem.
The value of on-chain payments will ultimately be defined by where they deliver measurable impact. This session focuses on the use cases gaining traction—from cross-border B2B payments and treasury management to merchant settlement, payouts, and supply chain finance. This fireside chat will explore how programmable payments enable automation, reduce friction, and unlock new efficiencies, and what it takes to move from pilot programs to scaled, revenue-generating solutions.
Small businesses don’t just manage money—they manage a web of disconnected systems: payments, invoicing, payroll, accounting and financing. The result is manual reconciliation, limited visibility, and operational drag.
This fireside chat explores the next battleground: owning the system of record for how a business runs its finances. The one-on-one discussion will examine:
Global corporates and fintechs are shifting to programmable, instant, cross-border payments. Banks without on-chain rails will be bypassed, so they must rapidly develop the ability to send, receive, settle and reconcile payments on-chain. The new economics of real-time global payments are forming now. Banks must shift from experiments to corporate treasury tokenized money movement, including smart-contract settlement for trade, FX, and liquidity management; merchant and cross-border on-chain payment services; and embedded finance rails for fintechs using tokenized funds.
Early bank movers can set the standards—and capture the money flows. Panelists will provide in-depth insight into:
Generative AI has moved beyond experimentation into production at scale—Goldman Sachs alone has deployed AI tools to thousands of employees and is working with partners to build autonomous agents for accounting and client onboarding. This fireside chat examines how various frameworks must evolve when actions occur at machine speed. Daniel Marcu, Partner and Global Head of AI Engineering and Science at Goldman Sachs, will discuss: