Most people tap, click or transfer money without thinking about what makes it all work. Behind the scenes is a constantly evolving technology engine that's becoming more complex as client expectations rise, and the global economy accelerates.

In a recent episode of J.P. Morgan Payments’ Pay It Forward Podcast, Sri Shivananda, Global Head of Technology at J.P. Morgan Payments, sat down with Adam Garbooshian, Head of Business Architecture for Payments Channels, to discuss the trends shaping the future of the global payments ecosystem, including:

• The technology that’s upending the payments industry
• How innovation has a dual mandate: ambitious but ethical
• Building strong teams to drive better solutions

“Payments have gone from being a ‘frictionful’ activity to something that’s beginning to disappear – yet the technology powering that simplicity has never been more complex or more important,”  Shivananda shared in their conversation. 

To hear the full conversation, check out the “Blueprint for Innovation: Inside the CIO’s Playbook” episode here.

See additional insights from Shivananda in Tearsheet here and read about J.P. Morgan Payments’ recognition as “Payment Technology Provider of the Year” in Tearsheet’s 2025 “Power of Payments Awards,” honoring excellence across the global payments ecosystem, here.

Pay It Forward is a podcast by J.P. Morgan Payments, for J.P. Morgan Payments, exploring the connection between the work we do as a team and its impact on both the business and the world around us. To listen to the latest episodes, please visit this page.

The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such.