Knowledge Center

Conversations on the future of instant payments.

Podcasts, interviews, and webinars from the JJ4Tech team — exploring PIX, FedNow, and the modernization of U.S. financial infrastructure.

Our COO Caroline Cypriano and the JJ4Tech team are regular contributors to the leading podcasts and industry conversations on real-time payments. The episodes below are the best place to start if you want to understand where the U.S. instant payments market is heading — and what lessons Brazil's PIX network has already taught us.

Featured Episode

The Future of Real-Time & AI-Driven Payments

Pioneers in Payments — with Donna Blum (BHMI)

Donna Blum of BHMI speaks with Caroline Cypriano about the forces reshaping the financial ecosystem. The conversation covers the rise of agentic commerce, growing demand for instant settlement, the opportunities created by RTP, FedNow, and QR codes, and the modernization challenges financial institutions face around compliance, fraud prevention, and real-time liquidity management.

Key takeaway: financial institutions should treat transaction data as a strategic product — using it securely and compliantly to generate intelligence, predictive insights, and competitive advantage.

Podcast Real-Time Payments AI & Data

The Library

Every conversation. In one place.

DeNovo Episode #17 — JJ4Tech Co-Founder Caroline Cypriano YouTube
Interview ~47 min

DeNovo Episode #17 — JJ4Tech & the Future of Community Banking

DeNovo Treasury

A deep-dive interview covering Caroline's background, what PIX is and what the U.S. can learn from Brazil's adoption of instant payments, the social impact of faster payments, and the JJ4Tech & DeNovo Treasury partnership for community financial institutions.

Chapters
Watch on YouTube →
Payments Podium — PIX and the Future of Instant Payments in Brazil with Caroline Cypriano YouTube
Podcast

PIX and the Future of Instant Payments in Brazil

Payments Podium — with Kevin Olsen, the Payments Professor

Caroline joins Kevin Olsen to explore how PIX has disrupted traditional banking in Brazil, its impact on SMBs, and how it offered financial inclusion to millions — an essential reference for understanding what's possible with FedNow in the U.S.

Watch on YouTube →
F.I. Today with Kevin Miyamoto — Caroline Cypriano on PIX and Faster Payments YouTube
Interview

PIX, Faster Payments, and the U.S. Opportunity

F.I. Today — with Kevin Miyamoto (Identifee)

Caroline brings her experience from Brazil to discuss the world of faster payments and the PIX network — how it revolutionized payments, and what challenges and benefits await U.S. institutions implementing faster payment systems.

Watch on YouTube →
Accelerating Operations Through Data Driven Excellence YouTube
Webinar

Accelerating Operations Through Data-Driven Excellence

Technology & Liquidity Experts Panel

How a data-centric mindset sharpens decision-making, strengthens risk management, and creates operational efficiencies. From reactive to proactive operations — using analytics to improve cash flow forecasting, liquidity, and profitability, and frameworks for leadership teams to champion a culture of innovation.

Watch on YouTube →

Listen on Spotify

Also available on Spotify.

For listeners who prefer audio-only. Featured episode with our COO Caroline Cypriano, playable below with no signup required.

Want someone from the JJ4Tech team on your podcast or panel?

Our leadership team regularly contributes to industry conversations on instant payments, PIX, FedNow, QR codes, and the future of real-time financial infrastructure. We'd love to be part of yours.

Request a Speaker Meet the team