Fintech Insider Podcast by 11:FS 1027. Insights: Lights, camera, transactions! Engineering payments at a global scale with JP Morgan and Netflix
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Jan 8, 2026 Join Tracy Birdsall, J.P. Morgan's payments expert, and Kristen Morrow-Greven from Netflix as they unveil the secrets behind seamless global payment systems. Tracy dives into the complexity of designing resilient payments infrastructure, while Kristen shares insights on Netflix's challenges with subscriptions and local payment methods. Discover how both leaders leverage technology, AI, and cross-functional teams to enhance user experience. They also explore the future of interactive commerce and the importance of making payments invisible for consumers.
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Unplanned Entry Into Payments
- Tracy Birdsall accidentally entered payments after following a chance path from IBM to building early payment gateways.
- Her career began by building what became Cybersource and later returned via Visa to run sales for that technology.
Personal Frustration Sparked A Payments Career
- Kristen Morrow-Greven got into payments after helping retailers go online during the tech boom and from painful personal cross-border money moves.
- Her early work at PayPal and later roles grew from that curiosity and personal need to move money faster and cheaper.
Local Rules, Global Coherence
- Global payments require intense localization combined with perfect global synchronization to feel instant to customers.
- Tracy describes building adaptive grids and rerouting in milliseconds to keep live events seamless worldwide.