Emanuela Saccarola

speaker

245 appearances 1 recordings 1 series first heard Nov 2025 last heard 13 Nov

Emanuela Saccarola’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 Nov 2025 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 13 Nov 2025 Emanuela Saccarola from Citi on Cross Border Payments, Stablecoins, AI, and Skiing · 13 Nov 2025 podcast

Yeah, so it's not a coincidence that these are also the three that are part of the G20 roadmap, make cross-border payments faster, more transparent, and cost-effective.

We also done a number of surveys, ECT, to our financial institutions clients, primarily banks and fintechs, asking them what are their underlying client needs, and speed, transparency, and cost came up as the top three.

So it's obviously very much a focus.

Speed is expected, as we were discussing a second ago.

Transparency is required, and cost needs to be fair.

I don't think there is an expectation that everything will be free, especially in cross-border, but there is an element of, as you remove friction from the process, you need to

transfer that frictionless and those savings to the users.

And a lot of the reasons why cross-border payments have been expensive is because there were manual processes, there were repairs, there were reconciliation challenges, and FX was involved.

So I think absolutely these three are very important.

But even in the context of the G20 roadmap,

When we read the objectives, there is a comma, and it says, while retaining cross-border payments safe and secure.

So I would probably add safety and security as a very important element.

It's after the comma because it's table stake.

It's maybe assumed, but I don't think we can assume, especially with the technologies that are available to us today.

I think there is an element of...

kind of focus on safety and security of financial systems and in particular payments that are the backbone of commerce.

And as you all know, we make payments every day multiple times.

And if that is not secure, we will have a significant issue.

So safe and secure, I would add.

And then very often they go together, speed and always on, but they mean different things.

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