This episode features Andrew Bartolini of Ardent Partners discussing the 2025 State of ePayables report. While accounts payable (AP) has advanced over the past two decades, full automation is still uncommon. Key findings highlight the need for alignment between AP, procurement, and treasury, the underreported fraud risks, and AI's growing impact. Reflecting on the report's content, Andrew also urges AP teams to transition from transactional roles to more strategic contributions in achieving business goals. Hit play to listen to the interview.

The Unfinished Journey of AP: Insights from Ardent Partners 2025

In this episode, we speak with Bottomline’s Mark Bish about how tokenization—beyond PCI DSS—can secure B2B payments, and the importance of not holding customer banking data in spreadsheets or on systems where it’s accessible by employees. Mark shares how replacing bank account data with anonymous tokens, reduces fraud risk, simplifies compliance, and protects against both external and insider threats.

From Spreadsheets to Security: Tokenizing Business Payments

Interledger Community Call - June 2025

While attention often focuses on developed markets, the most exciting fintech innovations are emerging where mobile technology, young digital-native populations, and gaps in traditional banking converge. These regions aren’t just adopting Western models – they’re creating entirely new paradigms that may eventually reshape global finance.

Today I’m joined by Nadia Costanzo, Director of Banking for the Middle East, Africa, and Latin America at Wise. Nadia drives Wise’s expansion across these regions by building banking relationships, securing licenses, and navigating complex regulatory frameworks.

Her background is uniquely valuable – before Wise, she worked with Kiva in Nairobi facilitating microfinance across Africa, contributed to the World Bank’s Universal Financial Access agenda, and worked directly with microfinance institutions in Paraguay.

Today, we’ll explore how fintech evolves differently across emerging markets, examine key challenges, and discuss surprising innovations where traditional banking is limited. We’ll also consider what these developments mean for established financial institutions looking to engage with these dynamic markets.

How Wise captured 25% of Brazil's cross-border market

From insurance commissioner to healthcare fraudster to federal prison inmate.

From Insurance Watchdog to Prisoner: A Cautionary Tale for Healthcare Professionals

There’s a reason why Medicare Advantage is fertile ground for fraud enforcement.

Did They Sell Their Seoul? The $62+ Million Settlement

The credit industry is shifting how it evaluates borrowers. Traditional credit scoring has left over a billion people without access to financial services, but lenders are increasingly turning to alternative data—bank transactions, spending patterns, real-time financial behavior—to make more informed decisions about creditworthiness.

Andrew Endicott has been at the center of this shift. As co-founder of Petal, he pioneered what they called “cash flow underwriting”—using real-time bank data alongside traditional credit reports to approve people for credit cards who would otherwise be turned away. The approach worked: Petal raised nearly $1 billion, proving that alternative underwriting isn’t just better for consumers—it’s good business.

How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next

Peter Stenehjem is the Pres/CEO of First International Bank and Trust in North Dakota.  He's a returning guest, friend of Barret, and a fascinating banker to talk to.  FIBT has been family owned for over 110 years now by Peter's family and has branched out into doing some really cool stuff in the world of fintech and payments.

They've owned Kotapay (https://www.kotapay.com/) for years now and are a Top 40 Payment Processor and, through Kotapay, they've launched Kavinu (https://kotapay.com/kavinu) as an embedded payment solution.  It's really cool stuff!

Be sure to check them out and a big thank you to our sponsor, ICBA Securities (https://www.icba.org/icba-securities)

A New Idea From First International Bank and Trust

Interledger Community Call - 9 July 2025

I have to be honest here...one of the things that I didn't fully understand in my time in production was treasury services.  I understood what they were...but it was never really part of the strategic process.  The more I'm around banking, I see the same thing with other banks and I don't think it's because it's a bad idea but rather it's because we don't understand it very well.

Laura Wetherell with Treascent LLC has a history of working with bankers (and being a banker herself!) understand and implement this often misunderstood part of banking.  

Check out her site: http://www.treascentllc.com/
Follow her on LinkedIn: http://www.linkedin.com/in/laurawetherellctp

And as always, thanks to ICBA Securities for their support and sponsorship!  
https://www.icba.org/icba-securities

Treasury Services: What It Is...and Isn't

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Tearsheet is news, opinion, and analysis on the business of finance.

Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.

Where social media, technology and finance intersect.

The Paul W. Barret, Jr. School of Banking is a non-profit independent school created by and governed by a Board of Regents, whose members are executives from banks and other firms involved with the financial services industry.The mission of the School is to provide an adult learning experience for the career-oriented individual in commercial banking or a related financial services industry business.

Are you interested in learning more about the trends and stories that develop in the payments and financial technology industry? You’re in the right place. Find out exactly why The Payments Podcast will soon become your go-to source for anything you wish to know in the world of payments. Brought to you by Bottomline.

Selected from thousands of podcasts on the web and ranked by relevancy, authority, social media followers and freshness, FeedSpot has recognised The Payments Podcast as one of the top 15 payments podcast channels worth listening to and subscribing to.

New tracks tagged #payments