find us at Booth #737
Proud to be part of Smarter Faster Payments 2026
Get ready for an electrifying experience at Nacha’s Smarter Faster Payments Conference on the 26-29 April in San Diego. Chat with our team of experts, who are eager to share insights and reveal how we are shaping the future of payments.
Join our talks
Smarter Payments Experience Track
Smarter AND Faster: Real-Time Payments Meet Intelligent Design
Real-time payments aren’t just about speed—they’re about smarter experiences. This session explores how financial institutions can go beyond faster payments by leveraging intelligent routing, richer data, and ISO 20022 to unify and optimize payment flows. Learn how to combine the strengths of different rails, automate decisioning, and deliver more dynamic, context-aware payment experiences.
Miriam Sheril
Form3
Amy Burr
Federal Reserve Financial Services
Stephanie Modar
BNY
Julie Offen
Wells Fargo
Instant Payments ≠ Instant Readiness: What to Know Before You Launch
Going live with faster payments doesn’t mean you’re truly ready. In this peer-led session, financial institutions share real-world experiences of implementing instant payments, covering everything from integration and fraud controls to operations and client readiness. Walk away with practical insights, common pitfalls to avoid, and best practices to accelerate your own rollout.
Miriam Sheril
Form3
Ashley Hastings
Santander Bank, N.A.
Sri Iyer
Cross River Bank
Dustin Martin
U.S. Bank
Driving Innovation with APIs
APIs and fintech partnerships are driving a new wave of innovation in financial services. This session explores how API-driven infrastructure enables advanced services like request-to-pay, fraud detection, and digital invoicing, while unlocking new models such as just-in-time payroll and pay-by-bank. Learn how the API economy is transforming the speed, security, and personalization of payments.
Laura Sullivan
Form3
Sumner Francisco
BNY
Sai Kailash
Cross River Bank
Our team
Stay informed
Shaping the Future of Real-Time Payments: A Deep Dive into TCH RTP's 2026 Changes and Roadmap
In this episode of the Form3 Powering Payments Podcast, Miriam Sheril, Head of Product - US at Form3 and Cheryl Gurz, RTP Product Manager at The Clearing House, explore the TCH RTP roadmap to 2026, breaking down upcoming changes and what they mean for banks and fintechs. They also discuss how institutions can prepare for these updates and how Form3 is supporting clients through the transition.
Payments in the fast lane: Harnessing Instant Payments in the U.S. with the RTP® Network
The move to real-time payments does not have to be disruptive. With the right approach, banks can adopt RTP gradually, leveraging modern cloud-based solutions that eliminate unnecessary complexity. Download our whitepaper, produced in collaboration with The Clearing House, as we look at how banks like yours are already making the transition, and learn what steps your institution can take to stay ahead in the real-time payments era.
Form3 brings instant payments to IBM Cloud for Financial Services
Instant payments are rapidly becoming the standard in financial services, driven by customer demand for speed, security, and continuous availability. The adoption of ISO 20022 as the global payments messaging standard, together with the expansion of schemes such as SEPA Instant in Europe and services like the Real-Time Payments Network and the Federal Reserve’s FedNow in the United States, is accelerating the pace of change across the payments industry.
