Caroline Cypriano
speaker
273 appearances
1 recordings
1 series
first heard Apr 2026
last heard 9 Apr
Caroline Cypriano’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.
Appearances
Off the rails from the U.S.
Fast Repayments Council,
Thank you so much for inviting me in.
I'm so glad to be here today.
So, uh, that's a great place to start.
Like, um,
First, I think it's important to clarify that QR codes are not a payment method themselves, right?
They are a payment initiation layer.
So they sit on top of any rail, so including instant payment rails like FedNow, like the FedNow service or RTP.
So I'll focus on their role in enabling faster payments.
So if you look at markets like Brazil that you just mentioned, right, QR codes have really become the bridge between consumers and instant payments.
So with pigs, for example, QR codes are now used by the vast majority of the population.
So around 86% of consumers, it's huge, which shows how effectively they've scaled in every like an everyday use.
So that adoption didn't didn't happen by chance.
It was driven by very practical, high frequency use cases.
So in a physical retail and restaurants, for example, QR codes have been displayed directly on the screen of a mobile POS or placed on tables, allowing customers to pay instantly through their banking app.
No need of a card or traditional terminal if you go through that route, right?
In e-commerce, dynamic QR codes streamline checkout and speed up confirmation and fulfillment.
And one of my favorite use cases is for bills and invoices.
So QR codes replace traditional barcodes, enabling instant payments of utilities like water, electricity and also Internet.
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