Thank you for the opportunity to speak to you today. Payments innovation is accelerating. Stablecoins, artificial intelligence (AI), real-time payments, and richer payment metadata offer significant improvements to the cost, speed, and functionality of payments. Better payments functionality can help financial institutions and businesses manage liquidity more efficiently at lower cost. It can also mean that people receive their paychecks more promptly and manage their payments more effectively. Payments innovation is especially important for lower-income individuals who are often underserved by the financial system ... (full story)