How AI, Real-Time Payments, and Regulation Will Reshape Banking in 2026

Join us on Friday, December 19th, 2025, at 12 PM EST for a forward-looking episode of Tech Behind FinTech featuring Jessica Cheney, Vice President of Strategic Solutions at Bottomline — a global payments company modernizing how banks and corporates move money.

With over 25 years of experience in cash management and payments, Jessica brings a rare perspective shaped by hands-on leadership across banks, software providers, and industry councils. She has served on the U.S. Federal Reserve’s Faster Payments Taskforce, the NACHA Innovation Alliance, and the U.S. Faster Payments Council, placing her at the center of some of the most consequential decisions shaping modern payment rails.

In How AI, Real-Time Payments, and Regulation Will Reshape Banking in 2026, Jessica connects the dots between three forces converging faster than most institutions are prepared for: practical AI adoption, always-on real-time payments, and rapidly evolving regulation.

We’ll explore how banks are moving beyond AI experimentation into real-world use cases across payments, fraud prevention, and customer experience — and how FedNow, RTP, and ISO 20022 are transforming instant payments from infrastructure projects into true competitive differentiators. Jessica also breaks down how emerging regulation — including stablecoin frameworks like the GENIUS Act — may unlock new opportunities in liquidity management and cross-border payments, while raising the bar for compliance, security, and resilience.

Whether you’re a banking executive, payments leader, fintech builder, or risk professional, this conversation offers a practical, grounded look at what banking must get right heading into 2026 — and what will separate leaders from laggards in the next phase of financial transformation.

What You’ll Learn

• How banks are moving from AI experimentation to real operational impact
• What FedNow, RTP, and real-time payments mean for commercial banking strategy
• Why ISO 20022 data is becoming a competitive advantage, not just a requirement
• How regulation is shaping the future of stablecoins and digital payments
• What modern customers now expect from business and commercial banking platforms

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About Tech Behind FinTech

Understanding the technology that powers the money is essential. Knowing the business drivers that inspire how the money is made is crucial. Bridging the gap between the mind of the technologist and the mind of the business — while showcasing disruptive FinTech leaders — is monumental. Tech Behind FinTech is hosted by Nnamdi Osuagwu, CEO and Founder of Strategic Generation, a cybersecurity consulting firm serving the FinTech industry.

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