The payments landscape continues to get more interesting as new payment types begin to replace legacy payment types and technology makes automation accessible to banks of all sizes. Creating a seamless payments experience that provides a user experience that takes the onus off of the end-user to be a payments expert is becoming a necessary next step in the evolution of payment services. This session will focus on how solutions in the market are making payments less about the rail and more about the use cases as well as how non-financial institutions players are disintermediating banks.