Playing with the ‘Pays’: Can FIs win at the mobile wallet game?

Citibank surprised industry observers with the introduction of an NFC-enabled mobile wallet for Android devices. Chase took a different route, using QR codes to enable payments on Android and iOS devices. As mobile payments gain traction with consumers, what should FIs do to encourage adoption of their products and ensure a first-rate customer experience?


Tom Davis | President/COO | CSCU

Tom Davis is always thinking about the future and contemplating where the light-speed advancements in new payment technologies and innovations will lead us. How will the rate of change impact growth and income opportunities for credit unions? Along with being a visionary with at least one eye always on the horizon, Tom is a highly respected executive who oversees CSCU’s finance & accounting, internal product development, and technology functions. His enthusiastic and compelling presentations offer his unique insights on emerging payments technologies, making him a much sought after speaker and thought leader in the payments industry.

Sagar Dalal | SVP, Digital Banking and Innovation | Barclaycard

Sagar Dalal leads the Digital Payments and Innovation Strategy for Barclaycard in the US. In this role he is instrumental in shaping the digital future for Barclaycards. Sagar has over 15 years professional experience and has spent close the last 8 years focused on digital payment, e-wallets and banking innovation. Sagar helped lead the initial launch of Apple Pay as a member of Citi’s Emerging Payments team working directly with Apple to help shape their digital wallet and ensure a frictionless user experience. Since that time, he has led the launch and marketing of all of the major Pays including Android Pay, Samsung Pay, Microsoft Wallet, Visa Checkout and Masterpass.

Joseph Walent | Associate Director, Customer Interaction Advisory Service | Mercator Advisory Group

Joe is Associate Director with the Customer Interaction Advisory Service at the Mercator Advisory Group providing insights and analysis of innovations in the payment industry, with a focus on technology’s rapid transformation of customer delivery channels, the effects on customer experience, and the implications for payment providers and financial institutions. Prior to joining Mercator Advisory Group, Joe was an analyst for Technology Business Research Professional Services practice. Joe acted as lead in primary research, survey development and data compilation examining trends in both the commercial and public sector IT services markets, with a focus on Financial Services, Healthcare and Government arenas.


Will Hernandez | Editor | Mobile Payments Today

Will Hernandez has 14 years of experience ranging from newspapers to wire services and trade publications. Before becoming Editor of Mobile Payments Today, he spent two years as the content manager for, a leading payments industry news aggregator and information hub published by Mercator Advisory Group. He spent four years covering the payments industry as an associate editor for multiple publications in SourceMedia’s Payments Group based in Chicago including ATM&Debit News, CardLine,, ISO&Agent Weekly and American Banker. Will helped launched SourceMedia’s bi-weekly newsletter, Mobile Banker, and built and cultivated the Payments Group’s first Twitter presence.

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