Smarter With AI, But Real World Limits

In this episode of Payments Unheard, host Leslie D'Monte sits down with FSS and Takeo Ueno from NTT Data to explore how the world of digital payments is evolving from the complexity behind every transaction to the role of AI in making payments faster, smarter, and more secure. The conversation draws a fascinating contrast between two financially mature markets Japan, with its 60-year-old payment infrastructure and a near-flawless track record of zero incidents, and India, whose UPI revolution took a billion-plus population from cash-first to digital-first in a matter of years. Two very different starting points, but increasingly, a shared destination.What makes this one especially interesting is what each country can learn from the other Japan's obsession with stability, security, and precision meeting India's unmatched ability to innovate at scale. From AI-powered merchant onboarding and fraud detection to open banking, microservices, and the debate around data sovereignty in cross-border wire transfers, Vishal and Takeo break it all down in a way that's as relevant for fintech companies in India as it is for anyone tracking the growth of digital payments worldwide.#instant payment #UPI global #cross border payment India #AI in banking and finance #fraud detection and prevention #open banking #fintech companies in India #digital payment frauds in India #growth of digital payments in India #payment gateway solutions #modern banking