Deepak Gupta

speaker

304 appearances 1 recordings 1 series first heard Feb 2025 last heard Feb 2025

Deepak Gupta’s voice in public audio — every appearance, attributed to the second.

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They have to provide fraud systems, as we just talked about.

They have to provide 24-7 fraud operations.

And I think the biggest challenge is the cultural aspects of 24-7 real-time payments offering for the FIs, then the technological challenge.

And so I buy it, but I think it's a natural progression of any new offering in the marketplace.

They're going to start converging more and more, and I see more and more businesses adopting it over time.

Yeah, it's an interesting thing.

I don't buy this.

I think it's not that big a deal.

The transaction limit in my view, and I don't know everything about it, but in my view, it's not that big a deal.

The bigger deals are the kind of things you talked about, fraud.

It's a gross settlement payment, so there's no reversal of the payment.

So people want to make sure that when they pay somebody, they really mean to pay somebody.

And I have a question to ask, which CFO in the world

wants to make a $10 million payment right away, unless they have to.

You know that.

People want to receive $10 million payments, but who wants to pay it right away?

The only time they want to pay it right away is when they have a business need to do so, which is far and few in between.

Most times people want to receive it.

So I think the limit is not a big problem.

I feel that in a short term, it's not a big deal because the concern is not the limit.

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