Scott Anchin

speaker

276 appearances 1 recordings 1 series first heard May 2026 last heard 28 May

Scott Anchin’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 May 2026 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 28 May 2026 Scott Anchin of ICBA on Check Fraud, Stablecoins, AI, and watches · 28 May 2026 podcast

I think that there's a lot of communities and individuals that

still rely on them, but checks of course are the opportunity, a huge opportunity for instant payments.

I think that instant payments, implementing instant payments both eliminates the number of checks in the ecosystem, which increases efficiency and it decreases the economic impact of fraud.

So I think a ton of opportunity there and a valuable thing to talk about when we talk about why instant payments has value, getting rid of those checks.

Risky.

I would say risky.

I think that, you know, we talked before about how when we were talking about the odd one out, how ACH and instant payments are well-regulated bank-centric payment rails that have years and years of trust behind them.

I don't think we see that with stablecoin, how it will evolve is anybody's guess, but it's certainly not at a place where established payment mechanisms that are bank-centric are right now.

And so when we talk about critical payments and things like that, I think there's a ton of risk moving them to something that's untrusted and untested.

I would say innovation.

I think community banks.

I think that community banks have done a really great job adapting to the needs of their local communities.

And that's really important and it's really valuable.

Communities are always changing both their makeup and their needs.

And community banks, because they have such strong ties with their communities and they know the people, they know the customers, they can respond really rapidly and in real time to those needs.

And I think that

Instant payments has really enabled them to innovate rapidly in terms of use cases and serving their customers needs.

So I've been really impressed with how community banks have responded to these changes and have innovated just from the macro to the micro, just in every way, just to serve their customers better.

All right.

I would say you should follow ICBA's account.

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