Macro and political outlook in the US economy and beyond – what it means for mid- market participants?

An examination of research findings on the current trends,  regulatory changes and their potential impacts on payment structures and operations. It will also focus on drivers and performance of the middle market, alongside growth projections and shifts in the business environment. The session will help understand payment preferences across industries and will provide an overview of payment preferences among commercial entities, segmented by company size, industry, and other indicators.

This session will delve into the current innovations in banking and payment solutions driven by fintech companies. It will address market assessments and share insights into market valuations and M&A trends within the payments industry, and their implications for banks and fintech players.

Exploring solutions beyond file-based integration, the importance of integrating commercial card and expense management platforms. The current challenges of relying on file-based integrations and the separation of commercial cards from expense management systems. Is there the need for a cohesive solution that addresses both B2B supplier spend and T&E expenses. The importance of returning to basics and seeking integrated solutions rather than disparate products. explore alternative approaches to expense management, such as US Bank’s TravelBank platform, which offers a seamless experience for expense management and travel booking within a single portal, exploring solutions like carIQ from fintech companies to.

Assessing the satisfaction levels of current commercial card processing platforms and exploring alternatives to better suit participant requirements. Delving into the challenges inherent in existing products and platforms, emphasizing solutions that streamline processes for reissuing virtual cards and enhance the overall buyer journey. Focusing on the versatility of these platforms beyond traditional commercial card and card payments, examining payment size limitations where transactions have to be split for successful authorizations and number of transactions (velocity) per card account limitations. Mobile wallet provisioning, or more importantly, what it takes to convert/change processors for banks.

Exploring the current state and future of virtual cards in commercial payments and strategies to expedite the widespread adoption of virtual cards. Examining current trends and emerging use cases for virtual card payments in travel and B2B payments.

This session will share the latest updates on the FedNow adoption and how they been used so far.  What’s the spend? What’s the breakdown by types of use cases? What’s the prevalence of use for invoice space payments? What extent FedNow could become a payment rail or payment option behind the scenes of some of these mobile apps?

Examining current market usage and potential broader applications of embedded payments, along with common use cases

Evaluating in-house agent bank programmes and their role in commercial card issuance, particularly for smaller financial institutions. Exploring the advantages and disadvantages of relying on agent programmes, using practical examples. Considerations for bringing programmes in-house and factors to consider when transitioning from an agent programme to an in-house programme. Community banks perspectives on their experiences with agent programmes and potential considerations for transitioning in-house.

Addressing the needs of customers falling between small business and commercial card segments, and sharing best practices