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Pay by Bank (PBB) is transforming how people and businesses move money — and financial institutions are at the center of this shift. In this Deep Dive episode, EPCOR CEO Brandie Thacker unpacks what Pay by Bank really means, the latest insights from the EPCOR Payments Conference – Fall 2025, and how initiatives like Nacha’s Pay by Bank Project Team are helping define use cases and manage emerging risks. You’ll learn how Pay by Bank leverages Open Banking technologies, real-time payment rails like RTP and FedNow, and API-based connectivity to deliver faster, more cost-efficient payments — and what financial institutions must do to prepare, from fraud mitigation to operational readiness. Brandie also discusses the evolving regulatory landscape, including the CFPB’s Personal Financial Data Rights rule (Section 1033), and how it will shape data access, consent, and compliance for banks and credit unions. If your organization is planning its 2026 payments strategy, this is a must-watch to understand where Pay by Bank fits and how to navigate the opportunities and challenges ahead. ___________________ WEBSITE: https://epcor.org ___________________ FACEBOOK: / epcoronline ___________________ TWITTER: / epcorpymntsnews ___________________ LINKEDIN: / epcorofficial