Kyle Caldwell

speaker

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

Kyle Caldwell’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

And scams is more social engineering based.

So, yeah, I think you hit the nail on the head there, Keith.

Yeah.

I would have to go with QR codes, primarily because open banking and interoperability to me just kind of seem hand in hand.

It's about creating environments or ecosystems that work together.

And that's kind of how I see it.

But Keith, you might have a different perspective.

I think I just have a problem with QR codes in general.

It's my fraud brain.

It's never scan a QR code.

So maybe that's what it was.

I would say Bitcoin primarily because I think Bitcoin is not available for a lot of financial institutions to kind of move money around, right?

It requires its own infrastructure.

You know, that's kind of what my perspective.

Yeah, I can't argue with that.

Yeah, I agree.

Um, oh, I was gonna take this a little differently.

I was gonna say, when I'm thinking about it as a unicorn, because I think that it's so important to have, and it's so rare to have like a true end to end user experience that's well thought out and journey.

So it's one of those things that, you know, I think we're always working towards.

And, you know, I hope that we're able to capture but it does, you know, it is something that is

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