10 April 2025 Ross McFerrin of Trustly on Trump Executive Order Modernizing Payments to and from America's Bank Account

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Off the Rails from the U.S. Faster Payments Council - FPC 25 min 2 speakers 4 chapters transcribed 1 month ago
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Ross McFerrin 0:05
Off the rails from the U.S. Faster Payments Council.
Reed Luhtanen 0:28
I'm Reid Lutanen, Executive Director of the U.S. Faster Payments Council, and this is Off the Rails from the U.S. Faster Payments Council. This time we have Ross McFerrin from Trustly back with us to talk about the recently released executive order modernizing federal government payments. Ross and I also hit on the SEC's utter dominance in the NCAA tournament and the incredible growth we're already seeing in instant payments usage in the United States. But first, the headlines. Y'all, the FPC Spring Member Meeting is only two weeks away, but there is still time to join us. Registration is open for the FPC Spring Member Meeting April 23rd and 24th at the beautiful Westin Bayview in San Diego. I am not kidding when I say these events are the type that stay with you.
Reed Luhtanen 1:12
You leave with a ton of high-quality information, new contacts you want. who want to help you and probably a bit of a tan from the san diego sun huge thank you to all of our amazing event sponsors aci worldwide aloya corporate federal credit union bny indava epay resources finsley form 3 shazam mastercard srm north american banking company trustly and the clearinghouse If you're interested in sponsoring, there's still time to do that, too. Please reach out to us at info at FasterPaymentsCouncil.org. Another new resource from the FPC's workgroups, How a Directory Service Accelerates Instant Payments Consumer Bill Pay Example Report, was produced by the FPC Directory Models Workgroup, and it provides a detailed examination of how directory services can enhance the efficiency, security, and
Reed Luhtanen 2:01
and reach of instant payments. As instant payments adoption continues to grow, financial institutions, fintechs, and payment service providers face challenges in managing account information, ensuring interoperability, and mitigating fraud risks. Directory services play a key role in addressing these challenges by enabling seamless routing of payments and protecting sensitive payment credentials. The report explores various directory models, highlighting their benefits and real-world use cases. It also examines implementation considerations for organizations integrating directory services into their instant payment strategy. Next week, I'm heading to Orange Beach, Alabama to join the Southern Financial Exchange's Digital Directions Conference.
Reed Luhtanen 2:37
If you're going to be at the event, please find me and say hi. I'll be doing a really fun interactive session with Laura Sullivan from Form 3 that will involve some fun payments modernization games and prizes. So join us. And I think that's good for the headlines. Let's get to that conversation with Ross McFerrin.
Reed Luhtanen 3:11
All right. We're joined by Ross McFerrin from Trustly. Ross, thanks for joining us.
Ross McFerrin 3:16
Pleasure to be here. Thanks for having me.
Reed Luhtanen 3:18
All right. And obviously you've been on the show before, but this time we actually have some big, you know, actual industry-wide, nationwide, frankly, news to talk about. So I'm really glad you're able to come on the show and talk through this with us. As most of our listeners, I'm sure, are aware. And if you're not aware, it's really weird to me that you're listening to this podcast live. But the White House issued an executive order in March establishing a policy of eliminating the use of paper checks from as much, I'm paraphrasing here, but from essentially as much of the federal government's payments as they can without passing some statutes that would change various things in existing statutory law.
Reed Luhtanen 3:58
So let's start at a high level, Ross. You know, what do you see as the headline thing payments professionals should take from this announcement?
Ross McFerrin 4:06
Yeah, so to me, the headline takeaway is this. The federal government is all in on digitizing disbursements and collections, and that legitimizes, accelerates, and scales the future of real-time payments and open payments infrastructure in the U.S., It's not just back office modernization. It's a signal that the largest single source of payments in the U.S.

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