https://simplecast.com Fintech Explained Agentic finance is starting to take action for you, at your direction and authorization. An agent can use the permissions you give it to move money, pay a bill, make a purchase, or find a better savings rate. Fintech Explained: Building the Agent Economy goes inside the companies building that future. In this limited series from the Financial Technology Association, FTA President and CEO Penny Lee and former Federal Reserve System Chief Innovation Officer Sunayna Tuteja talk with the leaders behind agentic finance. Each episode explores a different piece of it: the payment rails agents run on, how an agent proves who it's working for and gets permission to pay, what it means for merchants and small businesses, the policy taking shape around it, and where investors see the next great startups. It's for anyone who wants to understand where finance is heading, from people working in fintech and payments to policymakers, business owners, and the simply curious. 2026 Financial Technology Association en Wed, 28 Oct 2026 09:46:10 +0000 Wed, 28 Oct 2026 09:46:20 +0000 https://fintech-explained.simplecast.com Fintech Explained https://image.simplecastcdn.com/images/cb4d83e1-3cce-4e6f-81ee-df856ce85f6e/0a1b2b7e-4099-4f99-96ff-7898c688a62a/3000x3000/cropped-1792765767487.jpg?aid=rss_feed https://fintech-explained.simplecast.com episodic Agentic finance is starting to take action for you, at your direction and authorization. An agent can use the permissions you give it to move money, pay a bill, make a purchase, or find a better savings rate. Fintech Explained: Building the Agent Economy goes inside the companies building that future. In this limited series from the Financial Technology Association, FTA President and CEO Penny Lee and former Federal Reserve System Chief Innovation Officer Sunayna Tuteja talk with the leaders behind agentic finance. Each episode explores a different piece of it: the payment rails agents run on, how an agent proves who it's working for and gets permission to pay, what it means for merchants and small businesses, the policy taking shape around it, and where investors see the next great startups. It's for anyone who wants to understand where finance is heading, from people working in fintech and payments to policymakers, business owners, and the simply curious. Sunayna Tuteja, Financial Technology Association, Penny Lee false https://feeds.simplecast.com/uwkUpFSm banking,ecommerce,finance,fintech,payments Financial Technology Association michael@itsborderline.com 44512fa1-0a27-45f0-aeeb-720b562dcbbe From KYC to KYA: Identity in the Agent Economy, with Rick Song of Persona Persona co-founder and CEO Rick Song calls himself a reluctant founder, but he's spent his career on one of the internet's hardest problems: knowing who's really on the other side of the screen. He joins Penny Lee and Sunayna Tuteja to explain why that question matters even more once AI agents act and pay on our behalf, at our direction, and how "know your customer" is becoming "know your agent." Rick breaks down how Persona proves both that a real person is present and who that person is, and why your years of online history are the one thing AI can't replicate. He also shares the Digital Taxonomy of Fraud that Persona built with the University at Buffalo to give the industry a common language for identifying AI-driven selfie fraud, and explains why he's still an optimist: far more people want to stop fraud than to commit it.

Chapters

0:00 - Introduction
1:28 - The reluctant founder: Persona's origin story
6:12 - What is the agent economy?
10:06 - From KYC and KYB to KYA
12:56 - Proof of humanness, proof of identity
17:27 - Fraud, industrialized, and the Digital Taxonomy of Fraud
22:18 - Will fraud send us back to cash?
27:49 - Identity verification in Washington
32:15 - What Rick would never hand off to an agent
33:40 - Takeaways
 

Relevant Links

Digital Taxonomy of Fraud

Persona Labs: Identity Muling

Persona Research



 

]]> Wed, 28 Oct 2026 09:46:10 +0000 michael@itsborderline.com (Financial Technology Association) https://fintech-explained.simplecast.com/episodes/from-kyc-to-kya-identity-in-the-agent-economy-with-rick-song-of-persona-sG_A6WuY Persona co-founder and CEO Rick Song calls himself a reluctant founder, but he's spent his career on one of the internet's hardest problems: knowing who's really on the other side of the screen. He joins Penny Lee and Sunayna Tuteja to explain why that question matters even more once AI agents act and pay on our behalf, at our direction, and how "know your customer" is becoming "know your agent." Rick breaks down how Persona proves both that a real person is present and who that person is, and why your years of online history are the one thing AI can't replicate. He also shares the Digital Taxonomy of Fraud that Persona built with the University at Buffalo to give the industry a common language for identifying AI-driven selfie fraud, and explains why he's still an optimist: far more people want to stop fraud than to commit it.

Chapters

0:00 - Introduction
1:28 - The reluctant founder: Persona's origin story
6:12 - What is the agent economy?
10:06 - From KYC and KYB to KYA
12:56 - Proof of humanness, proof of identity
17:27 - Fraud, industrialized, and the Digital Taxonomy of Fraud
22:18 - Will fraud send us back to cash?
27:49 - Identity verification in Washington
32:15 - What Rick would never hand off to an agent
33:40 - Takeaways
 

Relevant Links

Digital Taxonomy of Fraud

Persona Labs: Identity Muling

Persona Research



 

]]> From KYC to KYA: Identity in the Agent Economy, with Rick Song of Persona Financial Technology Association 00:39:15 Persona co-founder and CEO Rick Song calls himself a reluctant founder, but he's spent his career on one of the internet's hardest problems: knowing who's really on the other side of the screen. He joins Penny Lee and Sunayna Tuteja to explain why that question matters even more once AI agents act and pay on our behalf, at our direction, and how "know your customer" is becoming "know your agent." Rick breaks down how Persona proves both that a real person is present and who that person is, and why your years of online history are the one thing AI can't replicate. He also shares the Digital Taxonomy of Fraud that Persona built with the University at Buffalo to give the industry a common language for identifying AI-driven selfie fraud, and explains why he's still an optimist: far more people want to stop fraud than to commit it. Persona co-founder and CEO Rick Song calls himself a reluctant founder, but he's spent his career on one of the internet's hardest problems: knowing who's really on the other side of the screen. He joins Penny Lee and Sunayna Tuteja to explain why that question matters even more once AI agents act and pay on our behalf, at our direction, and how "know your customer" is becoming "know your agent." Rick breaks down how Persona proves both that a real person is present and who that person is, and why your years of online history are the one thing AI can't replicate. He also shares the Digital Taxonomy of Fraud that Persona built with the University at Buffalo to give the industry a common language for identifying AI-driven selfie fraud, and explains why he's still an optimist: far more people want to stop fraud than to commit it. false full 1 1 ba6c89e3-7dac-47d8-a42e-99834e08b411 Welcome to Fintech Explained: Building the Agent Economy AI agents are starting to shop, book, and pay on our behalf. Fintech Explained: Building the Agent Economy goes inside the companies building that future.

In this limited series from the Financial Technology Association, FTA President and CEO Penny Lee and former Federal Reserve System Chief Innovation Officer Sunayna Tuteja talk with the leaders behind agentic finance. Each episode explores a different piece of it: the payment rails agents run on, how an agent proves who it's working for and gets permission to pay, what it means for merchants and small businesses, the policy taking shape around it, and where investors see the next great startups.

It's for anyone who wants to understand where commerce finance is heading, from people working in fintech and payments to policymakers, business owners, and the simply curious.

New episodes every week.

Learn More About The Financial Technology Association

]]> Sat, 24 Oct 2026 20:34:29 +0000 michael@itsborderline.com (Financial Technology Association) https://fintech-explained.simplecast.com/episodes/welcome-to-fintech-explained-building-the-agent-economy-zsFdAUdC AI agents are starting to shop, book, and pay on our behalf. Fintech Explained: Building the Agent Economy goes inside the companies building that future.

In this limited series from the Financial Technology Association, FTA President and CEO Penny Lee and former Federal Reserve System Chief Innovation Officer Sunayna Tuteja talk with the leaders behind agentic finance. Each episode explores a different piece of it: the payment rails agents run on, how an agent proves who it's working for and gets permission to pay, what it means for merchants and small businesses, the policy taking shape around it, and where investors see the next great startups.

It's for anyone who wants to understand where commerce finance is heading, from people working in fintech and payments to policymakers, business owners, and the simply curious.

New episodes every week.

Learn More About The Financial Technology Association

]]> Welcome to Fintech Explained: Building the Agent Economy Financial Technology Association 00:02:00 AI agents are starting to shop, book, and pay on our behalf. Fintech Explained: Building the Agent Economy goes inside the companies building that future. In this limited series from the Financial Technology Association, FTA President and CEO Penny Lee and former Federal Reserve System Chief Innovation Officer Sunayna Tuteja talk with the leaders behind agentic finance. Each episode explores a different piece of it: the payment rails agents run on, how an agent proves who it's working for and gets permission to pay, what it means for merchants and small businesses, the policy taking shape around it, and where investors see the next great startups. It's for anyone who wants to understand where commerce finance is heading, from people working in fintech and payments to policymakers, business owners, and the simply curious. New episodes every week. AI agents are starting to shop, book, and pay on our behalf. Fintech Explained: Building the Agent Economy goes inside the companies building that future. In this limited series from the Financial Technology Association, FTA President and CEO Penny Lee and former Federal Reserve System Chief Innovation Officer Sunayna Tuteja talk with the leaders behind agentic finance. Each episode explores a different piece of it: the payment rails agents run on, how an agent proves who it's working for and gets permission to pay, what it means for merchants and small businesses, the policy taking shape around it, and where investors see the next great startups. It's for anyone who wants to understand where commerce finance is heading, from people working in fintech and payments to policymakers, business owners, and the simply curious. New episodes every week. false trailer 1