Erin Crawford, VP, Head of Consumer Digital - Payments and Money Management, Fifth Third Bank

The Intersection: Siddarth Gupta, MD of APAC & Co-Head Global Non Bank FI, Bank of America

Banks and their clients are facing mounting pressures across the treasury landscape: fragmented payment rails, limited real‑time visibility, manual exception handling, and regulatory divergence across markets are making it increasingly difficult to manage liquidity and operational risk with confidence. In this environment, future‑ready treasury models require more than hype—they demand interoperability, regulatory alignment, and data‑driven control that work across borders. In this episode, Bank of America shares its approach to pragmatic innovation, exploring how AI and digital assets are already reshaping treasury workflows for both financial institutions and corporates—from intelligent forecasting and real‑time risk detection to more efficient settlement models. Rather than chasing buzzwords, the conversation focuses on where these technologies deliver immediate, operational impact across the financial ecosystem. Bringing a human lens to the discussion, Sid Gupta reflects on his journey from corporate banking roles in London to leading transaction banking for financial institutions across APAC, and how that global experience has shaped his perspective on clients, teams, and the evolving role of treasury in the future of payments. Fast‑paced, practical, and grounded in real‑world challenges, this episode outlines what financial institutions and their clients must act on now to build resilient, future‑ready treasury operations in an increasingly complex global environment. Follow Sid: https://www.linkedin.com/in/siddharthgupta2/ Follow Money20/20: YouTube: @Money2020Tv [https://studio.youtube.com/channel/UCip4CIpmM13NOAH-j9GiAzg]  LinkedIn: https://www.linkedin.com/company/money2020/ Instagram: https://www.instagram.com/money20_20 Facebook: https://www.facebook.com/Money2020 X: https://www.twitter.com/Money2020 TikTok: https://www.tiktok.com/@money20_20

Erin Crawford, VP, Head of Consumer Digital - Payments and Money Management, Fifth Third Bank

In this episode of The Bank Tellers, we sit down with Erin Crawford, VP and Head of Consumer Digital - Payments and Money Management at Fifth Third Bank. Erin shares her insights on how Fifth Third Bank is redefining customer experiences through innovative digital solutions, strategic fintech partnerships, and a steadfast commitment to community banking.  From gamifying fraud awareness with Smart Shield to offering free wills through a groundbreaking partnership with Trust and Will, Erin reveals how the bank is staying ahead in a rapidly evolving financial landscape.  Plus, we dive into the future of retail banking, the role of AI in streamlining processes, and the balance between frictionless experiences and customer security. Don’t miss this engaging conversation with one of the industry’s leading voices! Fifth Third Bank - https://www.53.com/ Trust & Will - https://trustandwill.com/ Smart Shield by Fifth Third - https://www.53.com/content/fifth-third/en/personal-banking/digital/smart-shield.html Follow Erin: https://www.linkedin.com/in/erincrawford1/ Follow Money20/20: YouTube: @Money2020Tv [https://studio.youtube.com/channel/UCip4CIpmM13NOAH-j9GiAzg]  LinkedIn: https://www.linkedin.com/company/money2020/ Instagram: https://www.instagram.com/money20_20 Facebook: https://www.facebook.com/Money2020 X: https://www.twitter.com/Money2020 TikTok: https://www.tiktok.com/@money20_20

Usman Arif, SVP of Global Network Services, APAC at American Express

Dive into the latest episode of The Bank Tellers podcast, where host Sheryl Chen sits down with Usman Arif, Senior Vice President of Global Network Services, APAC at American Express. Together, they explore the fast-paced payments industry, uncovering how Amex balances premium positioning with scale, builds impactful partnerships, and prepares for the future of financial services.  Key Takeaways: * American Express successfully balances its premium brand identity with the need for scale in cost-sensitive markets. * Long-term partnerships are key to Amex’s strategy, enabling collaboration with banks, fintechs, and acquirers to deliver tailored products. * Competitive markets like India require unique approaches, including partnerships with local banks to issue products that resonate with customers. * Agentic commerce is predicted to drive major shifts in payments over the next decade, with Amex leveraging AI and machine learning to stay ahead. * Banks and financial institutions must innovate, adapt, and make strategic choices to remain competitive in the evolving financial landscape. American Express: https://www.americanexpress.com/ Follow Usman: https://www.linkedin.com/in/usman-arif1/ Follow Money20/20: YouTube: @Money2020Tv [https://studio.youtube.com/channel/UCip4CIpmM13NOAH-j9GiAzg]  LinkedIn: https://www.linkedin.com/company/money2020/ Instagram: https://www.instagram.com/money20_20 Facebook: https://www.facebook.com/Money2020 X: https://www.twitter.com/Money2020 TikTok: https://www.tiktok.com/@money20_20

Kilian Thalhammer, Managing Director, Global Head of Merchant Solutions - Fintech & Platform Sales, Deutsche Bank

In this insightful episode of The Bank Tellers, we sit down with Kilian Thalhammer, Managing Director and Global Head of Merchant Solutions, Fintech, and Platform Sales at Deutsche Bank. Kilian shares his journey from Wirecard to Deutsche Bank, offering a behind-the-scenes look at the complexities of managing global banking operations, product innovation, and fintech partnerships. Discover how Deutsche Bank strategically re-entered the acceptance space, the challenges of integrating new products into a traditional banking culture, and the importance of curiosity and adaptability in hiring and leadership. Kilian also dives into the evolving role of regulation, the unique needs of tech giants like Mastercard and TikTok, and his approach to balancing impatience with the realities of large corporate structures. Deutsche: https://www.db.com/ Follow Kilian: https://www.linkedin.com/in/kilianthalhammer/ Follow Money20/20: YouTube: @Money2020Tv [https://studio.youtube.com/channel/UCip4CIpmM13NOAH-j9GiAzg]  LinkedIn: https://www.linkedin.com/company/money2020/ Instagram: https://www.instagram.com/money20_20 Facebook: https://www.facebook.com/Money2020 X: https://www.twitter.com/Money2020 TikTok: https://www.tiktok.com/@money20_20

Marianne Demarchi, Chief Executive Europe and Global Securities, Swift

In this special episode of The Bank Tellers, recorded live at Money20/20 Europe, we sit down with Marianne Demarchi, Chief Executive Europe and Global Securities, to explore the cutting-edge innovations shaping the financial industry. From the challenges of bridging Web2 and Web3 to the transformative potential of tokenization and digital assets, Marianne shares her insights on the future of cross-border payments, interoperability, and the evolving role of Swift in a fragmented global economy. Note: At the time of recording, Marianne was Chief Executive of EMEA at SWIFT. She has since transitioned to a new role, Chief Executive Europe and Global Securities Discover how Swift is driving change, fostering collaboration, and ensuring resilience in a rapidly transforming financial landscape. Plus, hear Marianne’s leadership advice, her vision for the next 50 years of finance, and her thoughts on the biggest challenges facing the industry today. Swift: https://www.swift.com/ Follow Marianne: https://www.linkedin.com/in/mariannedemarchi/ Follow Money20/20: YouTube: @Money2020Tv [https://studio.youtube.com/channel/UCip4CIpmM13NOAH-j9GiAzg]  LinkedIn: https://www.linkedin.com/company/money2020/ Instagram: https://www.instagram.com/money20_20 Facebook: https://www.facebook.com/Money2020 X: https://www.twitter.com/Money2020 TikTok: https://www.tiktok.com/@money20_20