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

So real time is obviously something that we're all trying to accomplish and strive for.

But in this space of cross-border payments, I would say that always on is almost a bit more challenging because there are time zones, there are liquid hours, there are cutoffs.

Speed can be achieved during liquid hours.

It's a lot easier than doing it during off liquid hours.

So always on, not just even the messaging and the settlement, but the operating model that a bank or a provider needs to have 24-7 is challenging.

But it's also expected because in cross-border, when you're sleeping, someone else is awake and that's the expectation.

Simple.

I think simple is key because it's a very complex reality.

It's very fragmented and we need a simple interface.

So the user experience is very important.

Make things easier for the users of payments because they're not experts and sometimes...

As providers, we tend to also complicate things.

So bring the simplicity is another element and maybe connected to this is probably interoperability.

So rails are interoperable.

which adds to that simplicity and it's up on the service providers in the industry to make sure that we don't bring that complexity and we don't ask users to become clients of several providers because that comes with frictions and different processes to be onboarded and so interoperability and obviously fiat rails but also now on chain is very important and something that we need to focus on

Yes.

So, yes, so maybe a way to describe these two, and I'm speaking in a point in time and I don't have a crystal ball for the future, of course, but today I would say blockchain can have a very deep impact on financial services versus maybe I would describe AI as having a very broad impact on financial services and in particular in payments.

So maybe blockchain

I think there's some fundamentals that are potentially evolving with the introduction of blockchain.

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