J.P. Morgan Payments had its largest-ever presence at Nacha’s annual Smarter Faster Payments conference in San Diego this April, with a record 16 sessions and our largest delegation to date. With the industry continuing to shift toward digital-first solutions, we used the week to share what we’re seeing in the market and how we’re working to help clients move money faster and more securely.

Across 16 sessions, our leaders spoke with more than 1,200 attendees on fraud prevention, real-time payments, open banking and emerging payment rails. We focused on practical takeaways and real-world lessons from the work we’re doing with clients and partners. Highlights from our participation included:

• Improving Fraud Risk Management with Account Validation: With an audience of more than 200 attendees, the discussion explored how collective intelligence is driving modern compliance and fraud prevention, noting that data visibility has become a cornerstone of payments innovation. This presentation closely followed the recently announced collaboration between ACI Worldwide and Kinexys by J.P. Morgan, which integrates Kinexys Liink’s Confirm application into ACI Worldwide’s Fraud and Financial Crime solution.
• The Game-Changing Influence of AI on Payments: This session highlighted how artificial intelligence and machine learning are reshaping payments operations, from fraud detection to treasury management. Panelists expressed that the future of frictionless payments hinges on a dual approach: driving cutting-edge innovation while maintaining a foundation of strong data strategy and oversight.
• How Real-Time Payments Are Transforming the Payments Ecosystem: APAC and LATAM markets are setting the pace for real-time payments adoption by modernizing receivables and collections with QR-based experiences. Panelists noted that while adoption is accelerating, operational readiness and ecosystem design remain critical to scaling effectively.

Looking ahead

Across sessions, a consistent theme emerged at Nacha 2026: the future of payments will be defined by connectivity, intelligence and trust. From open banking momentum to new approaches in fraud intelligence and B2B modernization, the conference underscored the importance of collaboration across the ecosystem.

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