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 over the last 12 months — 1 in all, peaking in Apr 2026 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 9 April 2026 Caroline Cypriano of JJ4Tech on QR Codes, Transaction Monitoring, and Surfing · 9 Apr 2026 podcast

That's a really, really hard one.

But I'm going to go with regulation.

So competition and cooperation are market behaviors between players.

Regulation is a top-down requirement imposed by an external authority, even though sometimes, like, depending on the regulation, it can really help with competition and with cooperation.

Yeah, true.

True, true.

You know my past.

So my answer is API.

Is that the one you were expecting?

But the reason why is QR codes and NFC are front-end hardware and interface methods for initiating a payment.

So an API is a back-end software protocol for system communication.

So that's the only reason why.

That would be a good reason too.

Bill Payne.

So I need to explain why also, right?

Okay, so honestly, QR codes and instant payments are my dream scenario.

So scan, confirm, done, no logins.

No, how do I pay this again moments.

So that's why.

Keeping customers where they already are.

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