Episode 54 - The Instant Payments Maven's Instant Payments Reality Check with Marcia Klingensmith (Candescent)

Episode 54 - The Instant Payments Maven's Instant Payments Reality Check with Marcia Klingensmith (Candescent)

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Marcia Klingensmith, banking modernization and ecosystem strategy leader at Candescent (www.candescent.com [http://www.candescent.com]) and author of The Instant Edge blog (www.substack.com/@instantpaymentsmaven [http://www.substack.com/@instantpaymentsmaven]). Marcia, known as the Instant Payments Maven, shares her perspective on why treasury and business banking may drive the next phase of instant payments adoption. The conversation explores RTP, FedNow, the “receive-only rut,” request for payment, QR pay codes, ISO 20022 data, fraud prevention, real-time data layers, and why banks need to modernize legacy infrastructure before chasing every new shiny object. Seth and Marcia also discuss stablecoins, tokenized deposits, the importance of send capabilities, and why financialinstitutions need a clear modernization strategy that connects payments, fraud, data, customer experience, and business banking execution. Links: Marcia Klingensmith on LinkedIn: https://www.linkedin.com/in/marcekmba/ [https://www.linkedin.com/in/marcekmba/] The Instant Edge on Substack: https://www.substack.com/@instantpaymentsmaven [https://www.substack.com/@instantpaymentsmaven] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠ [https://www.linkedin.com/in/treasurywhisperer/]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 53 - Full Reserve Banking, Blockchain Settlement, and the Search for Truth with Scott Shay of N3XT

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Scott Shay, founder of N3XT (www.n3xt.io [http://www.n3xt.io]) and co-founder of Signature Bank, for a wide-ranging conversation on full reserve banking, blockchain-based settlement, programmable money, and the future of financial infrastructure. Scott explains how N3XT’s model differs from traditional fractional reserve banking, why 24/7 real-time movement of money can matter for corporate treasurers, and how use cases like intercompany funding, payroll, cross-border settlement, and working capital optimization could change with immediate finality. Seth and Scott also revisit Signature Bank, Signet, and the 2023 regional banking crisis before expanding into Scott’s work as an author on faith, conspiracy theories, antisemitism, academia, and the importance of grounding institutions in trust and truth. Links: Scott Shay on LinkedIn: https://www.linkedin.com/in/scott-shay/ [https://www.linkedin.com/in/scott-shay/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠ [https://www.linkedin.com/in/treasurywhisperer/]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 52 - Treasury's New Toolkit: From Cash Visibility to Payment Anomaly Detection with Leo Gil (Bottomline)

In this episode of The Treasury Whisperer’s Talkcast Podcast,host Seth Marlowe interviews Leo Gil, Vice President of Product at Bottomline (www.bottomline.com/us/cash-management [http://www.bottomline.com/us/cash-management]). They explore how treasury teams are evolving from manual, back-office processes toward more strategic, data-driven cash and payments operations. Leo discussesBottomline’s role in helping corporates automate payments, improve cash visibility, strengthen forecasting, and connect fragmented bank and ERP data across global organizations. The conversation also covers the practical use of AI in treasury, including cash forecasting, payment anomaly detection, fraudprevention, and faster access to critical financial data. Links: Leo Gil on LinkedIn: https://www.linkedin.com/in/leonardobgil/ [https://www.linkedin.com/in/leonardobgil/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/ [https://www.linkedin.com/in/treasurywhisperer/]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 51 - Rules, Rails, Risk, and Real-Time Reality with Elyssa Morgan (NEACH)

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Elyssa Morgan, senior payments and growth leader at NEACH (www.neach.org [http://www.neach.org]) and host of the Payments on Tap podcast. They explore the evolving payments landscape, from ACH education andoperational risk to RTP, FedNow, stablecoins, fraud, and the growing need for financial institutions to think more strategically about payments. Elyssa shares how her career moved from branch banking to back-office operations topayments leadership, and why regional payment associations like NEACH play an important role in helping community banks, credit unions, fintechs, and corporates navigate change. The conversation also covers compliance as a growthengine, the ongoing battle against check fraud and authorized payment scams, the importance of customer behavior in payment strategy, and why the future ofbanking will be shaped by convenience, speed, trust, and relevance. Links: Elyssa Morgan on LinkedIn: https://www.linkedin.com/in/elyssamorganaap/ [https://www.linkedin.com/in/elyssamorganaap/ ] NEACH Payments on Tap Podcast: https://www.neach.org/Podcasts/Payments-on-Tap [https://www.neach.org/Podcasts/Payments-on-Tap] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/in/treasurywhisperer/] The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 50 - Will & Grace and The Treasury Evolution in Community Banking with Will K. Grace (DeNovo Treasury)

In this episode of the Treasury Whisperer’s Talkcast Podcast,host Seth Marlowe interviews Will K. Grace, Founder and CEO of DeNovo Treasury LLC (https://www.denovotreasury.com/ [https://www.denovotreasury.com/]). They explore the evolution of treasury management in community banks and credit unions, emphasizing why treasury is no longer optional for financial institutions looking to grow commercial relationships, retain deposits, and compete beyond traditional community banking models. Will discusses thechallenges smaller institutions face around treasury product gaps, relationship manager alignment, operational readiness, instant payments, vendor strategy, and AI adoption. He also provides practical insights on how community financialinstitutions can modernize treasury capabilities, prepare for real-time payments, and build long-term strategies that support growth, client retention, and stronger commercial banking execution. Links: Will K. Grace on LinkedIn: ⁠ [https://www.linkedin.com/in/julia-c-carreon-8318674/]https://www.linkedin.com/in/willkgrace/ [⁠⁠https://www.linkedin.com/in/willkgrace/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/in/treasurywhisperer/] The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.