« All Podcasts

From Cash and Cards to Invisible Banking

The convergence of AI, RTP rails, open banking, and embedded finance is creating both unprecedented opportunities for innovation.

Published on July 2025 in Payments

FEATURING: Rich Clow, Head of Innovation and Strategy at Global Payment Solutions, Bank of America

The convergence of artificial intelligence, real-time payment rails, open banking, and embedded finance is creating both unprecedented opportunities for innovation and significant competitive pressures. Banks must navigate the delicate balance between embracing cutting-edge technologies, such as generative AI, and maintaining the trust and security that customers demand.

In this episode of the Banking Transformed podcast, we delve into the rapidly evolving payments ecosystem with Rich Clow, Head of Innovation and Strategy at Global Payment Solutions, Bank of America. With over 25 years of experience spanning from the early days of branchless banking to today’s AI-powered financial services, Rich provides unique insights into the transformative trends reshaping how we think about money, payments, and banking relationships.

Join us as we explore these critical trends with one of the industry’s most experienced innovators, who has been at the forefront of digital payments evolution for over two decades.

The Financial Brand is your premier destination for comprehensive insights in the financial services sector. With our in-depth articles, webinars, reports and research, we keep banking executives up-to-date with the latest trends, growth strategies, and technological advancements that are transforming the industry today.

© 2026 The Financial Brand. All rights reserved. The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of The Financial Brand.