Jun 24, 2026 · 39 min · 11 segments
If you're interested in what's genuinely exciting in payments right now, this podcast is well worth your time. @**Jeremy McDougall** speaks with @**Tom Warsop, President & CEO of ACI Worldwide**, and…
Otto BenzGuest
Tom WarsopGuest
Jeremy MacDougallHostAnd on that point, Tom, it does feel like we're in a constant transformation when it comes to payments and we're always looking at the next thing.
So do you have a view on what feels different right now, where we are now compared to, say, previous waves of innovation? And do you have a view on, you know, this moment now, what's different?
There's so many things happening in the world right now that people are probably tired of hearing the word unprecedented.
But I think we have this convergence of new or much better technologies combined with the... maybe regulation in many parts of the world that's a little bit less restrictive so there's there's more opportunity to do innovative and new things combined with the openness of of younger generations to doing things differently and actually, in fact, demanding to do things differently.
They've never, as far as I know, my younger daughter has never visited a bank branch before.
It's about the expectations that she has and her peers have about the ease of doing business and the choice that she demands.
She does not want to wait three days for a payment to clear or, you know, she wants to pay her friend and she doesn't want to use cash because she doesn't probably know how to get cash.
I think this combination of expectation or demand plus technology plus a regulatory environment that's a little bit less restrictive has created a completely new set of opportunities.
And I would say that with all the change that's happening, one of the things that I think is interesting about payments is if I think back over my life, As far as I know, no payment method that I've ever used has gone away.
But the old one, like cash, I told someone last year, they said, well, you know, cash surely is dying.
And on that point, Tom, it does feel like we're in a constant transformation when it comes to payments and we're always looking at the next thing.
So do you have a view on what feels different right now, where we are now compared to, say, previous waves of innovation? And do you have a view on, you know, this moment now, what's different?
There's so many things happening in the world right now that people are probably tired of hearing the word unprecedented.
But I think we have this convergence of new or much better technologies combined with the... maybe regulation in many parts of the world that's a little bit less restrictive so there's there's more opportunity to do innovative and new things combined with the openness of of younger generations to doing things differently and actually, in fact, demanding to do things differently.
They've never, as far as I know, my younger daughter has never visited a bank branch before.
It's about the expectations that she has and her peers have about the ease of doing business and the choice that she demands.
She does not want to wait three days for a payment to clear or, you know, she wants to pay her friend and she doesn't want to use cash because she doesn't probably know how to get cash.
I think this combination of expectation or demand plus technology plus a regulatory environment that's a little bit less restrictive has created a completely new set of opportunities.
And I would say that with all the change that's happening, one of the things that I think is interesting about payments is if I think back over my life, As far as I know, no payment method that I've ever used has gone away.
But the old one, like cash, I told someone last year, they said, well, you know, cash surely is dying.
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