Leaders In Payments and FinTech - The EDC Podcast

• S03 Ep10: Overview of EDC's 18th Advanced Payments & Fintech Report

  Each year, our Advanced Payments and Fintech Report provides a comprehensive view of the latest trends defining the payments landscape. Now in its 18th edition, the report examines 14 themes across four domains, highlighting how innovation, evolving business models, and shifting consumer expectations are driving rapid industry change. In 2025, AI, digital identity, embedded finance, and emerging infrastructure are shaping how money moves, how businesses operate, and how consumers interact with financial services. In this episode of the EDC Podcast, host Davide sits down with Tue To, head of Edgar, Dunn & Company’s Fintech practice, to explore the 18th edition of the Advanced Payments and Fintech Report. They dive into the trends reshaping payments and fintech, from AI-driven orchestration and agentic AI to subscription BNPL, connected car payments, and embedded finance. Tue explains how these innovations are making payments faster, smarter, and more seamless, and why consumer trust and convenience are now essential for business success. They also unpack the big numbers behind these trends, including $6 trillion in retail stablecoin transactions and the $5.7 trillion SME financing gap, and what these mean for businesses and consumers. Tue shares how AI, biometrics, and digital IDs are transforming onboarding and fraud prevention, why collaboration between fintechs and banks is key, and how payments are evolving from a back-office utility into a strategic growth engine. Tune in for a forward-looking conversation on the future of payments and the trends shaping 2026. In this episode:  How AI is turning payment systems into smart, self-optimizing tools Why agentic AI, BNPL, and connected car payments are no longer just experiments How biometrics and digital IDs are making onboarding faster and safer Why fintechs and banks need to collaborate or risk falling behind The growing role of stablecoins and digital currencies in everyday payments Trust and convenience are now make-or-break for businesses​​​​​​​​​​​​​​​​ Resources: LinkedIn: https://www.linkedin.com/in/tue-to-541a214  Website: http://www.edgardunn.com/  Report: https://www.edgardunn.com/reports/advanced-payments-and-fintech-report 

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• S03 Ep09: The Future of Payments with Amir Wain CEO at i2C and EDC's CEO Samee Zafar : AI, Tokenization, and Beyond

  In this episode, Samee Zafar from Edgar, Dunn & Company speaks with Amir Wain, CEO of i2c, about the transformative role of AI in financial services and payments. They discuss the definition of agentic AI versus generative AI, its benefits for businesses, and the importance of focusing on business objectives over technology. Amir shares insights on founding i2c to address complexity in financial platforms through a single customer-centric solution. The conversation also explores practical applications such as AI-powered customer service, the significance of tokenization for agentic commerce, and the potential of digital assistants. Show Notes: In this episode, Samee Zafar of Edgar, Dunn & Company talks with Amir Wain, CEO and founder of i2c, about how AI is reshaping financial services and what businesses should actually do about it. From customer service automation to agentic commerce, Amir explains why AI is both an existential threat and a massive opportunity—and how to focus on the latter by starting with business objectives, not technology.   They also explore how agentic AI goes beyond chatbots to take real actions, why legacy infrastructure often holds back AI implementation, and how digital assistants will change the way we shop and manage daily tasks. Amir shares how AI enables smaller players to compete with giants through 24/7 service and personalized experiences, and why tokenization is the right foundation for agentic commerce.   Join us as we explore the evolution from generative to agentic AI, practical applications in payments and commerce, and why the dust will settle on digital assistants just like it did with mobile operating systems—with AI becoming core infrastructure rather than standalone products.​​​​​​​​​​​​​​​​ In this episode:    Why AI is both an existential threat and a great equalizer for businesses How to approach AI by focusing on business objectives: differentiation and efficiency The evolution from generative AI to agentic AI and the four key components How AI-powered customer service enables first-call resolution and 24/7 scalability The potential of digital assistants to consolidate commerce and boost productivity Why legacy infrastructure holds back AI implementation in financial services The role of tokenization in enabling secure agentic commerce How AI democratizes data analytics and enables true personalization at scale​​​​​​​​​​​​​​​​ Resources:   LinkedIn: https://www.linkedin.com/in/amirwain  Website: https://www.i2cinc.com

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• S03 Ep08: Why orchestration is no longer optional, with John Lunn, CEO of Gr4vy

  In this episode, Davide Villa speaks with John Lunn, CEO of Gr4vy, about the transformative role of payment orchestration in the payments industry. They discuss the definition of payment orchestration, its benefits for merchants, and the importance of flexibility in payment systems. John shares insights on founding Gravy to address industry frustrations, the significance of tokenization, and the critiques surrounding payment orchestration. The conversation also explores future trends such as stable coins and agentic commerce, emphasizing the evolving role of payments in business. Show Notes: In this episode, Davide Villa of Edgar, Dunn & Company talks with John Lunn, CEO and founder of Gr4vy, about how payment orchestration is redefining the way merchants manage payments. From redundancy and scalability to tokenization and network tokens, John explains why orchestration is no longer just an optimization tool but a critical part of merchants’ infrastructure.   They also explore how global payment rails—from Brazil’s Pix to India’s UPI—are reshaping commerce, and why orchestration enables merchants to adapt quickly, test new methods, and negotiate better terms with PSPs. John shares how orchestration eliminates single points of failure, boosts flexibility, and even turns payments into a competitive advantage.   Join us as we explore how orchestration, new payment models, and emerging technologies like stablecoins and agentic commerce are transforming financial services worldwide. In this episode:    Why payment orchestration is becoming essential for merchants How orchestration boosts redundancy, scalability, and flexibility The role of tokenization and network tokens in reducing fraud and improving customer experience How merchants can negotiate better PSP terms with orchestration The cost savings of routing debit payments to the right networks Why payments can be a competitive advantage, not just a utility The rise of new payment rails like Pix, UPI, and FedNow How orchestration enables merchants to test and switch payment methods quickly The potential of stablecoins in remittances and high-value transactions Opportunities and risks of agentic commerce powered by AI agents Resources:   LinkedIn: https://www.linkedin.com/in/johnclunn  Website: https://gr4vy.com 

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• S03 Ep07: The Future of Money Movement: Convergence and Intelligence with ACI

  In this episode, Mark Beresford and Amine Saidi of Edgar, Dunn & Company talk with Erich Litch, General Manager of Payments Software, and Phil Bruno, Chief Strategy and Growth Officer at ACI Worldwide, about how banks can modernize legacy platforms without risking a full-scale overhaul. From convergence across payment rails to the growing role of orchestration, they explain why modernization is no longer optional for financial institutions.   They also explore how real-time payments are reshaping global markets—from Brazil’s Pix to India’s UPI—while open banking creates new opportunities for value-added services. Erich and Phil share how AI and emerging agentic AI are being used to fight fraud, streamline transactions, and automate back-office tasks, helping banks compete with fintechs on speed and customer experience.   Join us as we explore how modernization, AI, and new payment models are redefining financial services worldwide. In this episode:  Modernizing legacy banking platforms without full-scale replacement Convergence across payment rails as a driver of efficiency and flexibility Real-time payments adoption in Brazil, India, and the US Open banking as an enabler of value-added services and innovation AI in payments intelligence: fraud detection, transaction optimization, customer experience Emerging role of agentic AI in automating back-office tasks Stablecoins and cross-border crypto transfers as future payment options Payments innovation’s potential for financial inclusion—and its cost challenges Why traditional banks remain the backbone of global financial systems Resources: LinkedIn (Erich Litch): https://www.linkedin.com/in/erich-litch-500548  LinkedIn (Philip Bruno): https://www.linkedin.com/in/phil-bruno  Website: https://www.aciworldwide.com 

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• S03 Ep06 of the EDC Podcast: Jaya Vaidhyanathan, CEO of BCT Digital, and EDC Director Mark Beresford discuss the evolution of AI in Financial Services

  Jaya Vaidhyanathan, CEO of BCT Digital, and EDC Director Mark Beresford discuss the evolution of AI in financial services In this episode, Mark Beresford, Director at Edgar, Dunn & Company, talks with Jaya Vaidhyanathan, CEO of BCT Digital, about how big data and AI are revolutionizing risk and compliance. From fraud prevention and real-time monitoring to climate risk modeling for insurers, Jaya explains how AI delivers insights beyond human capability and why it works best as a collaboration between machines and human judgment.   They also explore why we’re at an AI “inflection point,” what it means for the future of work, and how early adoption can keep you competitive. Jaya shares lessons from her own career—spanning investment banking, global consulting, and entrepreneurship—including navigating gender bias and building resilience in male-dominated industries.   Join us for a forward-looking conversation on AI’s role in reshaping financial services—and why the time to act is now.   In this episode:  Gender representation and challenges for women in tech, finance, and entrepreneurship How big data fuels AI-driven risk and compliance solutions Real-time fraud detection using AI and pattern matching Applying AI to climate risk modeling for insurance Why AI’s “inflection point” is comparable to the advent of the internet AI as a collaboration between machine insights and human judgment The impact of AI on the future of work and job roles Importance of early adoption to stay competitive in financial services   Resources: LinkedIn: https://www.linkedin.com/in/jaya-vaidhyanathan-26039510 Website: https://www.bctdigital.ai 

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