Keith Melton

speaker

165 appearances 1 recordings 1 series first heard Nov 2025 last heard 20 Nov

Keith Melton’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 · 20 Nov 2025 Kyle Caldwell and Keith Melton from The Clearing House on the RTP Network and new Fraud Services from TCH · 20 Nov 2025 podcast

It's irrevocable.

It's based on ISO 28022.

It's a data model that's very data rich.

So there's a lot of transparency with the data in the payment itself.

The first thing that jumps to mind is cross-border payments because it's so heavily regulated.

And there's so many different jurisdictions with different types of regulations that all have to interact with one another for it to work.

So cross-border is the first thing that jumps to mind when I think of regulations.

Yeah, I was going to say it's either opportunity or interest.

I see a lot of interest by the banks around this pay-by-bank, leveraging the request for payment functionality to kind of clean up the user experience when it comes to a fragmented bill pay industry.

And I think there's just a lot of interest and a lot of opportunity.

Yeah, that's probably a better word.

Well, we've talked about a lot of it today.

So I think there's a lot of innovation happening in the fraud space.

I think there's a lot of innovation happening with instant payments.

And I just think it's an exciting time in payments in general.

Like it's not always been kind of the sexy, exciting area of banking and financial institutions, but it is today.

Tremendous promise, especially in the fraud space.

Leveraging models and leveraging AI to predict and look at patterns of anomalous behavior in the vast data that we see at a network level is something I see a tremendous amount of promise with.

I guess what I'd say is that while we've been in market for eight years with RTP and we've learned a lot over those eight years from an operations perspective, from running a mature product in production and getting some good growth, I still see us in our infancy and we're just walking and we're about to start to get to the point where I think we're going to be running.

And so it's early days and I really think this instant payments platform is a platform for innovation for all types of new things that we'll see in the market.

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