The Future of Payments. Now In Motion.

In this episode of the Fincorporated Series, Lisa Davis, Managing Director and Head of Digital Channels at J.P. Morgan, and Roshan Shetty, BFSI and Public Services Head Americas at Tech Mahindra, discuss the real work behind global payments, AI adoption and what the two organizations are building together to have institutions ready for the ISO 20022 Hybrid Mandate.

1. Navigating the Shift to Real Time Payments
   • Payments is one of those industries where everything is changing at the same time, and no one gets to sit it out.
   • Across every facet of the payments business, something is changing. Client expectations, regulation, fraud and the push toward real-time are all in motion simultaneously. Banks are expected to manage all of it without breaking stride.
   • Lisa Davis walks through how J.P. Morgan is helping clients navigate every facet of this shift and why having a technology partner like Tech Mahindra matters when transformation is happening at this scale.
2. Innovation Inside a Regulated Environment
   • Data sits at the foundation of J.P. Morgan's approach. Data Ownership is not solely a technology responsibility. In fact, it belongs to everyone across the organization, and everyone carries that responsibility.
   • That discipline creates a solid foundation from which J.P. Morgan can scale AI with confidence.
3. Building with the Right Ecosystem
   • Delivering high value to clients is central to how J.P. Morgan operates. Something they recognize they cannot do alone in a rapidly changing business landscape. Ecosystem partnerships make that possible.
   • J.P. Morgan collaborates with fintechs, hyperscalers, and technology companies, but the selection goes beyond capability. It is also about choosing partners that bring the same commitment to the client that J.P. Morgan does.
4. AI Across the Business
   • AI is not a side project. It is being applied across development cycles, fraud detection, data management, and autonomous treasury.
   • The goal across all of it is the same: to makes the organization run better and serve clients more effectively.
5. Where the Partnership Gets Real
   • The ISO 20022 Hybrid Mandate is coming in November, and many institutions are still assessing their readiness. Some are still working to gain visibility into the systems and processes that will be affected by the transition.
   •  J.P. Morgan and Tech Mahindra are working on this together, helping institutions understand where they stand and what they need to do.

Scale, speed and trust kept coming up throughout the conversation. This alignment is what strengthens the partnership and ultimately shows up in what we deliver together.