Rich Clow, Head of Innovation & Strategy, Global Payments Solutions at Bank of America | Episode 482

Episode notes

The payments world is full of shiny objects. The hard part is deciding what actually matters to clients and then delivering it safely at global scale. I’m joined by Rich Clow, Head of Innovation and Strategies for Global Payments Solutions at Bank of America , for a grounded look at how a large financial institution evaluates emerging payments technology, turns strategy into products, and keeps the focus on real outcomes like faster settlement, better data, and lower fraud. We unpack what payment volumes and behavior patterns reveal right now: why most transactions are still domestic, why ACH remains a workhorse, and why cross-border payments are still largely wires running through SWIFT. Rich explains where real-time payments (RTP) are gaining traction, how data requirements can slow adoption, and why improving ERP integration is a turning point for reconciliation, payouts, and just-in-time corporate payments that support smarter liquidity management.

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