
Fintech Insider Podcast by 11:FS 948. Insights: Brick by brick - Building a payments ecosystem from the ground up | Live from J.P. Morgan Payments
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Mar 27, 2025 Adit Gadgil, Global Head of Sales at JPMorgan Payments, David Messenger, CEO of Ping Pong Payments, and Irina Chuchkina, CMO at Vault.io, explore building a payments ecosystem from the ground up. They dive into the balance between technology and regulation, debating the future of stablecoins and their potential to transform payments. Cybersecurity risks and the need for streamlined regulation are key topics. The guests encourage innovative thinking while sharing examples from around the globe, with a pinch of humor on tech versus regulation.
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Cards as Form Factor
- View cards as a form factor, not a necessity, with mobile phones as the primary interface.
- Focus on account-on-file functionality within mobile phones, sometimes linked to credit.
Bold Innovation
- Consider bolder payment innovations beyond existing technologies like cards and cash.
- Explore options like beaming payments or other futuristic methods.
Biometric Payments
- Digital identity, tied to biometrics, could revolutionize payments.
- Individuals could pay using unique physical characteristics, simplifying transactions.
