Craig Ramsey

speaker

455 appearances 2 recordings 1 series first heard Dec 2025 last heard 11 Jun

Craig Ramsey’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 4 Dec 2025 Craig Ramsey of ACI Worldwide on Stablecoins, Instant Payments, Cloud computing, and Formula 1 · 4 Dec 2025 podcast

I do believe they can receive, but it's a much harder proposition to do sending.

And we've seen that as we've worked with our customers, a receive project is normally pretty quick, whilst a send project just takes longer to go through the entire end-to-end position of a payment.

I think the thing that makes me the most nervous about that is when different FIs have different propositions, then all it serves to do is confuse the market.

We saw that in the UK where banks were given the ability to implement a different send limit.

based on product, based on the bank itself and their appetite to the new payment scheme.

And all it did is it actually stunted growth because people didn't quite know whether they could use an instant payment or not.

And that's where that intelligent payment routing that I spoke about earlier comes into play because why should they have to know whether they want to do an instant payment or an ACH?

The experts in the payment itself are the bank, not the customer, not even necessarily the business.

And therefore, we need to be able to help our customers better at making their decisions for them for the best of their needs and ability.

I think that's the thing that makes me nervous.

So yes, banks can have

different rules for when they will allow a transaction to be sent over instant payments.

And I think it's hard to argue that they shouldn't have their own rules.

Of course they should.

But as soon as they start to deviate from one another, it just confuses the market.

Yeah, for sure.

I mean, I can't speak to you, but I don't need often to send $10 million over the network.

Hasn't happened yet, but maybe.

Not yet.

It's a matter of time.

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