In this episode, we speak with Dean Nolan, SRM's Managing Director of Commercial Payments. Dean brings 25+ years of experience in payments and financial services to SRM, having held leadership positions in payments strategy, innovation, product management, and product sales at Fifth Third Bank, Bank of America, Wells Fargo, First Data, and MasterCard. He is a frequent speaker on Instant Payments and Fintech and API workgroup chair at the US Faster Payments Council. The topic of the day is commercial payments, and specifically what headwinds in 2024 are transforming the landscape. This includes the impact of fraud, instant payments, infrastructure upgrades, Banking as a Service, and overall transformation initiatives.