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  <title>Monday Conversation</title>

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  <copyright>© 2026 Monday Conversation</copyright>
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  <description><![CDATA[<p>Each Monday, PYMNTS CEO Karen Webster sits down with executives and visionaries across the payments and commerce industries to talk about what’s trending now. From hot-button issues to headline-making innovation, these one-on-one conversations offer a front-row seat to the ideas and people shaping what’s next.</p>]]></description>
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    <itunes:title>Nubank Alum Launches Decade to Give Money an AI Copilot</itunes:title>
    <title>Nubank Alum Launches Decade to Give Money an AI Copilot</title>
    <itunes:summary><![CDATA[Decade CEO Vitor Olivier tells PYMNTS CEO Karen Webster how his startup plans to put AI to work on investment advice for about $40 a month. ]]></itunes:summary>
    <description><![CDATA[<p>Decade CEO Vitor Olivier tells PYMNTS CEO Karen Webster how his startup plans to put AI to work on investment advice for about $40 a month.</p>]]></description>
    <content:encoded><![CDATA[<p>Decade CEO Vitor Olivier tells PYMNTS CEO Karen Webster how his startup plans to put AI to work on investment advice for about $40 a month.</p>]]></content:encoded>
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    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Mon, 05 Oct 2026 10:00:00 -0400</pubDate>
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    <itunes:duration>1449</itunes:duration>
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    <itunes:title>The Fraud Economy Has a Supply Chain, and Erin West Is Going After It</itunes:title>
    <title>The Fraud Economy Has a Supply Chain, and Erin West Is Going After It</title>
    <itunes:summary><![CDATA[Operation Shamrock founder Erin West tells Karen Webster how she's raising the cost of running the fraud economy. ]]></itunes:summary>
    <description><![CDATA[<p>Operation Shamrock founder Erin West tells Karen Webster how she&apos;s raising the cost of running the fraud economy.</p>]]></description>
    <content:encoded><![CDATA[<p>Operation Shamrock founder Erin West tells Karen Webster how she&apos;s raising the cost of running the fraud economy.</p>]]></content:encoded>
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    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Mon, 28 Sep 2026 04:00:00 -0400</pubDate>
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    <itunes:duration>1553</itunes:duration>
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    <itunes:title>SoFi Tech Solutions&#39; New President Is Building the AWS of Finance</itunes:title>
    <title>SoFi Tech Solutions&#39; New President Is Building the AWS of Finance</title>
    <itunes:summary><![CDATA[SoFi Technology Solutions President Kathleen Pierce-Gilmore wants to make SoFi the financial infrastructure companies can keep as they grow. ]]></itunes:summary>
    <description><![CDATA[<p>SoFi Technology Solutions President Kathleen Pierce-Gilmore wants to make SoFi the financial infrastructure companies can keep as they grow.</p>]]></description>
    <content:encoded><![CDATA[<p>SoFi Technology Solutions President Kathleen Pierce-Gilmore wants to make SoFi the financial infrastructure companies can keep as they grow.</p>]]></content:encoded>
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    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Fri, 28 Aug 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>1465</itunes:duration>
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    <itunes:title>When AI Becomes the Travel Agent, Who Owns the Journey?</itunes:title>
    <title>When AI Becomes the Travel Agent, Who Owns the Journey?</title>
    <itunes:summary><![CDATA[Booking Holdings' Daniel Marovitz says consumer AI and autonomous agents can turn travel intent into a transaction.  ]]></itunes:summary>
    <description><![CDATA[<p>Booking Holdings&apos; Daniel Marovitz says consumer AI and autonomous agents can turn travel intent into a transaction. </p>]]></description>
    <content:encoded><![CDATA[<p>Booking Holdings&apos; Daniel Marovitz says consumer AI and autonomous agents can turn travel intent into a transaction. </p>]]></content:encoded>
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    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Wed, 12 Aug 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>1427</itunes:duration>
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    <itunes:title>Tassat CEO Says Regional Banks Are Focused on the Wrong Stablecoin Problem</itunes:title>
    <title>Tassat CEO Says Regional Banks Are Focused on the Wrong Stablecoin Problem</title>
    <itunes:summary><![CDATA[Tassat CEO Glen Sussman tells PYMNTS CEO Karen Webster that the stablecoin land grab was never about payments. It’s a fight over deposits. ]]></itunes:summary>
    <description><![CDATA[<p>Tassat CEO Glen Sussman tells PYMNTS CEO Karen Webster that the stablecoin land grab was never about payments. It’s a fight over deposits.</p>]]></description>
    <content:encoded><![CDATA[<p>Tassat CEO Glen Sussman tells PYMNTS CEO Karen Webster that the stablecoin land grab was never about payments. It’s a fight over deposits.</p>]]></content:encoded>
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    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Fri, 31 Jul 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>1521</itunes:duration>
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    <itunes:title>Velera CEO Chuck Fagan Exits With a Challenge to Credit Unions</itunes:title>
    <title>Velera CEO Chuck Fagan Exits With a Challenge to Credit Unions</title>
    <itunes:summary><![CDATA[Before he retires as CEO of Velera, Chuck Fagan discusses how credit unions must evolve as technology reshapes banking and payments. ]]></itunes:summary>
    <description><![CDATA[<p>Before he retires as CEO of Velera, Chuck Fagan discusses how credit unions must evolve as technology reshapes banking and payments.</p>]]></description>
    <content:encoded><![CDATA[<p>Before he retires as CEO of Velera, Chuck Fagan discusses how credit unions must evolve as technology reshapes banking and payments.</p>]]></content:encoded>
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    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Fri, 31 Jul 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>1633</itunes:duration>
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    <itunes:title>Gradium CEO Says Voice AI Must Understand, Not Just Transcribe the Words</itunes:title>
    <title>Gradium CEO Says Voice AI Must Understand, Not Just Transcribe the Words</title>
    <itunes:summary><![CDATA[Gradium CEO Neil Zeghidour says speech-to-text doesn’t create context and companies underestimate the difficulty of building voice themselves. ]]></itunes:summary>
    <description><![CDATA[<p>Gradium CEO Neil Zeghidour says speech-to-text doesn’t create context and companies underestimate the difficulty of building voice themselves.</p>]]></description>
    <content:encoded><![CDATA[<p>Gradium CEO Neil Zeghidour says speech-to-text doesn’t create context and companies underestimate the difficulty of building voice themselves.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19859515-gradium-ceo-says-voice-ai-must-understand-not-just-transcribe-the-words.mp3" length="17098741" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Fri, 24 Jul 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>1397</itunes:duration>
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    <itunes:title>Mastercard Wants to Teach AI Agents How to Spend</itunes:title>
    <title>Mastercard Wants to Teach AI Agents How to Spend</title>
    <itunes:summary><![CDATA[Mastercard’s Sherri Haymond tells PYMNTS CEO Karen Webster why the hard part of agentic commerce isn’t the shopping. ]]></itunes:summary>
    <description><![CDATA[<p>Mastercard’s Sherri Haymond tells PYMNTS CEO Karen Webster why the hard part of agentic commerce isn’t the shopping.</p>]]></description>
    <content:encoded><![CDATA[<p>Mastercard’s Sherri Haymond tells PYMNTS CEO Karen Webster why the hard part of agentic commerce isn’t the shopping.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19859779-mastercard-wants-to-teach-ai-agents-how-to-spend.mp3" length="17153444" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Mon, 13 Jul 2026 14:00:00 -0400</pubDate>
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    <podcast:transcript url="https://www.buzzsprout.com/2653075/19859779/transcript.json" type="application/json" />
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    <itunes:duration>1426</itunes:duration>
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    <itunes:title>This CEO Just Raised $110 Million to Make Banks Agent-First</itunes:title>
    <title>This CEO Just Raised $110 Million to Make Banks Agent-First</title>
    <itunes:summary><![CDATA[Taktile CEO Maik Taro Wehmeyer shares why he thinks the financial services industry is moving toward an “agent-first” future. ]]></itunes:summary>
    <description><![CDATA[<p>Taktile CEO Maik Taro Wehmeyer shares why he thinks the financial services industry is moving toward an “agent-first” future.</p>]]></description>
    <content:encoded><![CDATA[<p>Taktile CEO Maik Taro Wehmeyer shares why he thinks the financial services industry is moving toward an “agent-first” future.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19859709-this-ceo-just-raised-110-million-to-make-banks-agent-first.mp3" length="16570716" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Tue, 30 Jun 2026 14:00:00 -0400</pubDate>
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    <podcast:transcript url="https://www.buzzsprout.com/2653075/19859709/transcript.json" type="application/json" />
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    <itunes:duration>1377</itunes:duration>
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    <itunes:title>Adyen on Agentic Commerce: The AI Was Never the Hard Part</itunes:title>
    <title>Adyen on Agentic Commerce: The AI Was Never the Hard Part</title>
    <itunes:summary><![CDATA[Adyen's Karan Katyal tells Karen Webster the industry is barely off zero. Here's what gets built first, and why AI was never the hard part. ]]></itunes:summary>
    <description><![CDATA[<p>Adyen&apos;s Karan Katyal tells Karen Webster the industry is barely off zero. Here&apos;s what gets built first, and why AI was never the hard part.</p>]]></description>
    <content:encoded><![CDATA[<p>Adyen&apos;s Karan Katyal tells Karen Webster the industry is barely off zero. Here&apos;s what gets built first, and why AI was never the hard part.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19875883-adyen-on-agentic-commerce-the-ai-was-never-the-hard-part.mp3" length="17603905" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Thu, 18 Jun 2026 04:00:00 -0400</pubDate>
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    <itunes:duration>1435</itunes:duration>
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    <itunes:title>RADAR Wants to Make the Physical Store as Smart as Its Website</itunes:title>
    <title>RADAR Wants to Make the Physical Store as Smart as Its Website</title>
    <itunes:summary><![CDATA[CEO Spencer Hewett tells Karen Webster RADAR is about giving physical stores the real-time intelligence eCommerce has had for years. ]]></itunes:summary>
    <description><![CDATA[<p>CEO Spencer Hewett tells Karen Webster RADAR is about giving physical stores the real-time intelligence eCommerce has had for years.</p>]]></description>
    <content:encoded><![CDATA[<p>CEO Spencer Hewett tells Karen Webster RADAR is about giving physical stores the real-time intelligence eCommerce has had for years.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19859431-radar-wants-to-make-the-physical-store-as-smart-as-its-website.mp3" length="18737421" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
    <guid isPermaLink="false">Buzzsprout-19859431</guid>
    <pubDate>Tue, 16 Jun 2026 13:00:00 -0400</pubDate>
    <podcast:transcript url="https://www.buzzsprout.com/2653075/19859431/transcript" type="text/html" />
    <podcast:transcript url="https://www.buzzsprout.com/2653075/19859431/transcript.json" type="application/json" />
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    <podcast:transcript url="https://www.buzzsprout.com/2653075/19859431/transcript.vtt" type="text/vtt" />
    <itunes:duration>1558</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>FIS’ Jim Johnson: Banks That Don’t Own the Payment Flow Risk Losing the Customer</itunes:title>
    <title>FIS’ Jim Johnson: Banks That Don’t Own the Payment Flow Risk Losing the Customer</title>
    <itunes:summary><![CDATA[FIS’ Jim Johnson says issuers must rethink processing as a strategic asset or watch payments flow around them. ]]></itunes:summary>
    <description><![CDATA[<p>FIS’ Jim Johnson says issuers must rethink processing as a strategic asset or watch payments flow around them.</p>]]></description>
    <content:encoded><![CDATA[<p>FIS’ Jim Johnson says issuers must rethink processing as a strategic asset or watch payments flow around them.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19859417-fis-jim-johnson-banks-that-don-t-own-the-payment-flow-risk-losing-the-customer.mp3" length="18107532" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Tue, 09 Jun 2026 13:00:00 -0400</pubDate>
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    <itunes:duration>1505</itunes:duration>
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    <itunes:title>Hyperlayer CEO Says Core Banking Solutions Debate Misses the Point</itunes:title>
    <title>Hyperlayer CEO Says Core Banking Solutions Debate Misses the Point</title>
    <itunes:summary><![CDATA[Hyperlayer is betting that a new orchestration layer, rather than a core replacement project, will determine how quickly banks adapt to AI. ]]></itunes:summary>
    <description><![CDATA[<p>Hyperlayer is betting that a new orchestration layer, rather than a core replacement project, will determine how quickly banks adapt to AI.</p>]]></description>
    <content:encoded><![CDATA[<p>Hyperlayer is betting that a new orchestration layer, rather than a core replacement project, will determine how quickly banks adapt to AI.</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2653075/episodes/19859338-hyperlayer-ceo-says-core-banking-solutions-debate-misses-the-point.mp3" length="18651537" type="audio/mpeg" />
    <itunes:author>PYMNTS</itunes:author>
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    <pubDate>Tue, 09 Jun 2026 13:00:00 -0400</pubDate>
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