In this episode of Payments Unheard, host Leslie D'Monte is joined by FSS and Deepak Sharma, Board Member at Suryoday Bank and former Chief Digital Officer at Kotak Mahindra Bank, to explore the technology powering modern banking. While customers experience instant payments and seamless digital banking, much of the underlying infrastructure was built decades ago. The discussion uncovers how banks balance legacy systems with rising digital expectations, what really happens behind a simple "Pay" button, and how institutions are modernizing their technology without compromising security, reliability, or scale. From cloud adoption and AI-driven operations to the future of banking architecture, this episode offers a behind-the scenes look at the invisible systems that keep the financial world moving. #instant payment #UPI global #cross border payment India #AI in banking and finance #fraud detection and prevention #open banking #fintech companies in India #digital payment frauds in India #growth of digital payments in India #payment gateway solutions #modern banking

In this episode of Payments Unheard, host Leslie D'Monte is joined by FSS and Deepak Sharma, Board Member at Suryoday Bank and former Chief Digital Officer at Kotak Mahindra Bank, to explore the technology powering modern banking.While customers experience instant payments and seamless digital banking, much of the underlying infrastructure was built decades ago. The discussion uncovers how banks balance legacy systems with rising digital expectations, what really happens behind a simple "Pay" button, and how institutions are modernizing their technology without compromising security, reliability, or scale.From cloud adoption and AI-driven operations to the future of banking architecture, this episode offers a behind-the scenes look at the invisible systems that keep the financial world moving.#instant payment #UPI global #cross border payment India #AI in banking and finance #fraud detection and prevention #open banking #fintech companies in India #digital payment frauds in India #growth of digital payments in India #payment gateway solutions #modern banking

Payments Unheard

Legacy Code, Digital Expectations

In this episode of Payments Unheard, host Leslie D'Monte sits down with FSS and Takeo Ueno from NTT Data to explore how the world of digital payments is evolving from the complexity behind every transaction to the role of AI in making payments faster, smarter, and more secure. The conversation draws a fascinating contrast between two financially mature markets Japan, with its 60-year-old payment infrastructure and a near-flawless track record of zero incidents, and India, whose UPI revolution took a billion-plus population from cash-first to digital-first in a matter of years. Two very different starting points, but increasingly, a shared destination. What makes this one especially interesting is what each country can learn from the other Japan's obsession with stability, security, and precision meeting India's unmatched ability to innovate at scale. From AI-powered merchant onboarding and fraud detection to open banking, microservices, and the debate around data sovereignty in cross-border wire transfers, Vishal and Takeo break it all down in a way that's as relevant for fintech companies in India as it is for anyone tracking the growth of digital payments worldwide. #instant payment #UPI global #cross border payment India #AI in banking and finance #fraud detection and prevention #open banking #fintech companies in India #digital payment frauds in India #growth of digital payments in India #payment gateway solutions #modern banking

In this episode of Payments Unheard, host Leslie D'Monte sits down with FSS and Takeo Ueno from NTT Data to explore how the world of digital payments is evolving from the complexity behind every transaction to the role of AI in making payments faster, smarter, and more secure. The conversation draws a fascinating contrast between two financially mature markets Japan, with its 60-year-old payment infrastructure and a near-flawless track record of zero incidents, and India, whose UPI revolution took a billion-plus population from cash-first to digital-first in a matter of years. Two very different starting points, but increasingly, a shared destination.What makes this one especially interesting is what each country can learn from the other Japan's obsession with stability, security, and precision meeting India's unmatched ability to innovate at scale. From AI-powered merchant onboarding and fraud detection to open banking, microservices, and the debate around data sovereignty in cross-border wire transfers, Vishal and Takeo break it all down in a way that's as relevant for fintech companies in India as it is for anyone tracking the growth of digital payments worldwide.#instant payment #UPI global #cross border payment India #AI in banking and finance #fraud detection and prevention #open banking #fintech companies in India #digital payment frauds in India #growth of digital payments in India #payment gateway solutions #modern banking

Smarter With AI, But Real World Limits

In this episode of Payments Unheard, host Leslie D'Monte sits down with Vipin Surelia, from Visa and FSS and to talk about one of the most pressing challenges in digital payments today risk, fraud, and what it actually takes to prevent it. With payments now moving faster than ever, the conversation gets honest about whether our fraud management systems have truly kept up. From mule accounts and AI-driven scams to voice cloning and social engineering, the trio breaks down how fraud has evolved and why it's no longer just targeting the uninformed. The conversation also explores why cooling periods aren't friction, they're foresight and how human behaviour remains at the centre of it all. Because at the end of the day, no banking tech or payment solution can fully replace an aware consumer.  #cross border payments, #global payments #ai in fintech #modern banking system #fraud detection #microservices

In this episode of Payments Unheard, host Leslie D'Monte sits down with Vipin Surelia, from Visa and FSS and to talk about one of the most pressing challenges in digital payments today risk, fraud, and what it actually takes to prevent it. With payments now moving faster than ever, the conversation gets honest about whether our fraud management systems have truly kept up.From mule accounts and AI-driven scams to voice cloning and social engineering, the trio breaks down how fraud has evolved and why it's no longer just targeting the uninformed. The conversation also explores why cooling periods aren't friction, they're foresight and how human behaviour remains at the centre of it all.Because at the end of the day, no banking tech or payment solution can fully replace an aware consumer. #cross border payments, #global payments #ai in fintech #modern banking system #fraud detection #microservices

Risk Rules That Don't Scale

There's a version of fintech the world hears about constantly - the new app, the funding round, the feature launch. Then there's the version that actually keeps money moving: the aging infrastructure, the overnight reconciliation jobs, compliance rules that govern product and innovation, and many other behind the scene action that are never get the limelight.  Payments Unheard is the podcast that goes looking for that ‘unheard’ version. Powered by FSS, the podcast brings together senior leaders from top banks, regulators, NBFCs and payment network experts. The discussions are around navigating real complexity behind instant payment, cross-border wire transfers, fraud detection and prevention, open banking, and the growth of digital payments in India. This is where experts say, on record, what the industry usually leaves unheard. Host Leslie D’ Monte, author of the book – AI Rising, asks questions on how things were a decade before QR codes existed, and how have they evolved over time. Stay tuned…

There's a version of fintech the world hears about constantly - the new app, the funding round, the feature launch. Then there's the version that actually keeps money moving: the aging infrastructure, the overnight reconciliation jobs, compliance rules that govern product and innovation, and many other behind the scene action that are never get the limelight. Payments Unheard is the podcast that goes looking for that ‘unheard’ version. Powered by FSS, the podcast brings together senior leaders from top banks, regulators, NBFCs and payment network experts. The discussions are around navigating real complexity behind instant payment, cross-border wire transfers, fraud detection and prevention, open banking, and the growth of digital payments in India.This is where experts say, on record, what the industry usually leaves unheard. Host Leslie D’ Monte, author of the book – AI Rising, asks questions on how things were a decade before QR codes existed, and how have they evolved over time. Stay tuned…

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Payments Unheard

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