Rethinking the future of payments

Steve Ledford, ‎SVP Products and Strategy, The Clearing House

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As more nations implement immediate payment systems, the industry has an opportunity to make payments not only faster, but safer and more useful. Tokenisation of payment credentials, credit-only transactions, imposition of robust access security, real-time anti-fraud/antimoney laundering/sanctions screening and network activity monitoring are ways to make any payment system safer. There is a continuum of choices that balance settlement risk with cost and complexity. Internet and mobile connectivity support rich, timely, flexible messaging. Combined, these factors provide an opportunity to build an unprecedented platform for payments


payments improvement, immediate payments, safer payments, settlement, real-time messaging, payments innovation

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