Michael Shields

In this episode of the Payments Nerds® podcast, our President and CEO, Thomas Warsop, sat down with David Watson, President and CEO of The Clearing House, to explore the present landscape and future prospects of real-time payments in the United States, including the readiness and scalability of payments technology, the barriers to widespread adoption, and the transformative possibilities of cross-border real-time payments. https://aciw.co/3Gcwxk1

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In the latest episode of Smarter Payments by Corpay, Steve Greene, EVP Corporate Development and Strategy at Corpay, joins host Brennan Robison, APR, PMP to offer perspective on the M&A landscape in 2025 and the company's strategy for acquiring companies in the coming year. Have a listen. https://lnkd.in/grK9epUE

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At CloudWalk, Artificial Intelligence powers nearly every layer of our business — not as a feature, but as a foundational capability. We’ve built and deployed a comprehensive AI stack that enhances operations, boosts customer experience, and drives real impact in financial services. AI-powered customer support Our LLM-based agents resolve a large share of customer and internal inquiries autonomously. They rely on structured workflow graphs, real-time knowledge retrieval, and a dual-agent system that handles both conversation and action. The result is faster, more accurate support that scales. LLMs in production We use language models far beyond traditional chat use cases. They assess credit by analyzing unstructured data, detect fraud in transaction descriptions and customer messages, and enable our Merchant Vector Space — a novel way to model and understand merchant behavior and relationships. Fraud detection at scale Our three-layer system detects fraud in real time, over time, and across relationships. Transactional models decide in milliseconds. Behavioral models uncover suspicious usage patterns. Relational models analyze networks to identify fraud rings and coordinated attacks. Dynamic credit scoring Our proprietary scoring models constantly retrain on customer behavior, giving us a real-time view of creditworthiness. We also integrate non-traditional data sources to evaluate thin-file and underbanked users — enabling financial access where legacy systems can’t. User lifecycle modeling We use machine learning to personalize every step of the customer journey. From marketing optimization and churn prediction to lifetime value modeling, our systems help us target the right users and serve them with precision. Evolutionary computation Inspired by natural selection, we use genetic algorithms to optimize models across generations — evolving features and parameters to find high-performing configurations quickly and efficiently. Geospatial analysis We incorporate location-based insights to shape product design, marketing, and service delivery. Our geospatial systems help teams understand regional behavior and tailor experiences to local realities. Graph networks By modeling data as networks, we identify non-obvious relationships that improve fraud detection, community insights, and decision intelligence. These graph structures unlock a deeper layer of understanding across our ecosystem. The Consciousness Project Our forward-looking R&D initiative explores what’s next in AI. We simulate sensory input, agency, and subjective experience in LLMs — pushing the boundaries of Artificial General Intelligence and preparing for what’s coming. We’re not just applying AI. We’re building a smarter, more adaptive infrastructure for the future of financial services. Learn more about how we’re doing it at cloudwalk.io/ai

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🤔 Did you know that offering free instant payments can nearly double the likelihood of account holder loyalty? 💡 To keep up with today’s expanding consumer and business needs, financial institutions must modernize and move past outdated legacy payment systems. In this guest blog, Alacriti shares three key trends that are shaping the future of digital banking: 🔹 User-centric innovation 🔹The rise of automation 🔹Seamless integrations with fintech partners Read the full blog to examine how payment modernization can provide the seamless, frictionless transactions that meet today’s digital banking demands: https://bit.ly/4i5jSxq #DigitalBanking #PaymentModernization #Innovation #TechFin #CustomerExperience #BankingTechnology #DigitalTransformation #AlkamiColab

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💡 Banks are under growing pressure to innovate fast, from instant payments to personalized, seamless digital experiences. But true modernization doesn’t start with technology, it starts with customers. In his latest blog post on Finextra, Eric BIERRY, CEO at SBS, shares how banks can modernize their core systems in a way that delivers real value, putting customers at the center of every tech investment. Read the full article now 👉https://lnkd.in/eKTqWC_i #Finextra #CoreBanking #CustomerExperience

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Outdated tech is draining your bank’s bottom line. It’s time to adopt composable banking. https://bit.ly/42VehUj Big banks spend more than $300M every year just to maintain aging legacy systems. With up to 80% of IT budgets locked in maintenance, there’s little room left for innovation. In the meantime, fintechs are leaping ahead with modular, AI-powered platforms. Discover how composable banking helps you break free from legacy lock-in - and build for what’s next. Banwari Agarwal | Dipankar S. Sengupta | Sumit Chopra | Sabarish Muthumperumal | Naushath Raja Mohammed #SutherlandBFS #ComposableBanking #CloudMigration #DigitalBanking #AI #BankingTransformation #LegacyModernization #SutherlandDES

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A leading bank in the USA struggled with fragmented customer payment data and no unified platform. We deployed IncedoPay, achieving a 3x increase in corporate client enrolment and an 80% cost reduction through process automation. The solution included a new web portal, end consumer validation app, and support for various payment types. Download the case study to learn more: https://lnkd.in/gxjXmZ3u #IncedoPay #Data #Casestudy #Fintech #digitaltransformation

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👀 "In payments, 'value-added' is no longer an add on — it is the product." Our VP of Enterprise Product, Vik Raman, spoke with PYMNTS for their What's Next in Payments series to discuss how and why payment providers must evolve beyond basic transaction processing to stay competitive. From embedded finance to real-time verification, the next wave of value lies in the capabilities that go beyond the core payment. Check out the full article + video! 🔗 👇 https://lnkd.in/e3a-gYdj

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While there is no single fail-safe method for preventing all payment fraud, having a single integrated payables solution at your business can help to greatly reduce risk – and could even cut labor costs. Steve Buchberger, head of Payables and Partnerships, shares how Deluxe Payment Exchange+ helps shield your organization from fraud: https://bit.ly/44439Xf #dlxpayments

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Legacy systems, fragmented payments, and resistance to automation are slowing businesses down when they need to scale up. The way businesses manage their supply chains is evolving, and EMB Global is leading the charge. Know more here: https://lnkd.in/gqA46x2B #embglobal

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Key chargeback and fraud insights from 2024: https://hubs.li/Q038JZ4g0 From rising first-party fraud to evolving dispute trends, 2024 brought major shifts in the payments space. CBG analyzed these changes across multiple reports, helping businesses adapt and stay ahead. As fraud tactics continue to evolve in 2025, revisit the insights that shaped smarter strategies and uncover key takeaways to strengthen fraud prevention and revenue recovery. #ChargebackInsights #FraudPrevention #RevenueRecovery #ChargebackGurus

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📢 “By integrating Halcyon’s 8821 tax transcript solution into our partner ecosystem, we’re giving our customers a faster, more secure alternative to traditional verification methods that helps accelerate time to close.” said Mary Kay Theriault, Senior Director, Product Management at Finastra. Read more 👉 https://okt.to/OFpsD7 #Fintech #FinastraLending

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Given how prominent credit cards are in the payments landscape, it's important to have a thorough understanding of credit card processing to optimize payments solutions and manage costs effectively. This article breaks down the basics: https://bit.ly/44UVHOs

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AI is here, and it is providing payments professionals with a tool to enhance payments operations. In this blog, Nacha Consulting’s Mark J. Dixon discusses what AI can mean for your team. Stay up to date. Start building your AI advantage today: https://hubs.la/Q03D1SgG0

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