Carl Slabicki

speaker

440 appearances 2 recordings 1 series first heard Sep 2025 last heard 12 Feb

Carl Slabicki’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Feb 2026 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 25 Sept. 2025 -- Carl Slabicki from BNY on cross border, AI, and open banking · 25 Sep 2025 podcast

Thanks, yeah, there's a ton happening.

I'd summarize the trends kind of in the following fashion.

We're seeing a lot of the legacy payments infrastructure for high value clearing, low value clearing, et cetera, in the US and abroad.

really trying to evaluate what that modernization strategy looks like and how do you balance the benefit of that versus I'll say the investment on some of the newer capabilities that are in market like instant payment schemes and others.

But we are seeing a lot of focus on what do we do with the legacy payments infrastructure?

How do you migrate that potentially into an always-on economy and financial ecosystem while you have 100 plus near real-time payment systems in different markets across the globe?

all with varying degrees of maturity and saturation within their local markets that are looking to add value.

And then what we see for sure, as well as you kind of look at that infrastructure and you see the modernization of different kind of instant schemes going,

A lot of them are now opening up for cross-border payments, which is really making, I think, global money movement pretty exciting now, where you can actually work with a correspondent bank across the globe, send them a traditional SWIFT message, an API, if you have a bilateral connection, whatever it may be, and settle the last leg of that payment through the instant scheme, really opening up really 24-7, 365 money movement into a lot of the major corridors around the globe.

So, you know, I think that's really exciting to just kind of see how that plays out.

Traditional stuff looking to evaluate how to have different markets, central banks, private sector operators, major banks within those markets kind of balance the investment in legacy versus the new.

But all of it is really moving towards more of a 24-7 economy.

And a lot of these systems are now becoming a lot more interoperable than they were in the past.

It's a good question.

So open banking, I think, has already had pretty tremendous success just within the U.S.

market.

If you look at the last several years and how it's really embedded up and down a lot of the mobile apps that consumers use and going to checkout sites and digital wallets they interoperate with.

So even before this proposed rule was put there, we were making a lot of good progress and a little bit of a

non-traditional way compared to if you look at the EU or other markets where it was a bit more mandated and kind of regulated from the beginning.

um you know our hope was that rule or without a rule the industry would be moving towards something that would help with standardization with something like this if you look at the us right with 9 000 commercial banks and credit unions data spread all over between those different providers even some of the broker dealers and different things like that and the goal of making this data more accessible to consumer experiences at checkout or digital wallets or other things that they want to do

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