At Fintech Meetup 2025, the panel discussion “Everything You've Ever Wanted to Know About Enterprise GTM Strategy” brought together some of the most influential leaders in fintech to explore the evolving landscape of go-to-market strategies in enterprise financial services. Held at Veronese 2401A - 2501B, the session featured Stephany Kirkpatrick (Founder & CEO, Orum), Peter Dougherty (President, Spreedly), Jack Connors (Head of Strategic Accounts, Stripe), and Kate Walton (Chief Commercial Officer, J.P. Morgan Chase), with moderation by Dana Warren (Venture Partner, Canaan).

The conversation highlighted how embedded finance, real-time transactions, and AI-driven automation are reshaping financial infrastructure. As payment expectations shift toward instant, seamless experiences, Orum is positioning itself at the forefront of innovation, tackling inefficiencies that have long plagued traditional money movement.

Breaking the Bottleneck in Payments

Despite advances in financial technology, payments still face friction, particularly in settlement times and operational complexity. Many financial institutions continue to rely on legacy infrastructure, leading to delays that affect everything from payroll processing to B2B transactions. Orum’s approach seeks to break through these inefficiencies by leveraging automation and AI to create a real-time, intelligent payments network.

“Our vision is simple: make money movement as instant and seamless as sending a text,” Kirkpatrick explained. “For too long, payments have been slow, fragmented, and overburdened by manual processes. The industry is ready for a fundamental shift.”

Embedded Finance: The Next Growth Engine

Embedded finance is becoming a key driver of fintech growth, allowing businesses to integrate payment solutions directly into their workflows rather than relying on third-party intermediaries. Kirkpatrick highlighted the importance of embedding real-time payment solutions into platforms used by businesses daily, reducing dependency on traditional banks and accelerating access to funds.

“Whether it’s payroll, lending, or insurance claims, instant payments can dramatically improve operational efficiency,” she said. “For gig workers, for example, waiting days for a paycheck isn’t an option anymore. With embedded finance, funds can move the moment work is completed.”

By simplifying access to payments infrastructure, Orum is enabling fintechs, enterprises, and financial institutions to deliver faster, more reliable money movement without requiring costly back-end development.

The Role of AI in Payments Innovation

Artificial intelligence is playing an increasingly crucial role in transforming financial services, particularly in fraud detection and risk management. Orum has embraced AI-driven automation to improve decision-making in real-time transactions, ensuring both speed and security.

“Incorporating AI allows us to optimize routing, predict transaction failures, and detect anomalies before they become issues,” Kirkpatrick explained. “AI isn’t just about efficiency; it’s about trust. The more accurate and responsive our systems are, the safer and more reliable payments become.”

Strategic Expansion and the Future of Payments

Looking ahead, Orum is expanding its reach across industries where instant payments can unlock new opportunities. From digital marketplaces to traditional financial services, the need for reliable, real-time money movement continues to grow. Kirkpatrick emphasized the company’s commitment to innovation and strategic partnerships as key pillars of its future roadmap.

“The reality is, payments should be invisible. No one wants to think about how money moves; they just want it to work,” she said. “Our goal is to make instant payments the default, rather than the exception.”

The panel discussion underscored how fintech leaders across the ecosystem—whether from Stripe, J.P. Morgan, or Spreedly—are all tackling the challenge of seamless enterprise-scale payments.

With the industry rapidly shifting toward real-time, automated financial infrastructure, companies that fail to adapt risk being left behind. Orum’s innovations in embedded finance, AI-driven risk management, and instant payments are paving the way for a more efficient, resilient financial ecosystem—one where money truly moves at the speed of business.

Disclaimer: The above podcast episode was generated using AI based on an interview transcript. While the content remains true to the original conversation, the voices, tone, and delivery were synthesized and do not represent actual recordings of the speakers. This AI-generated format is intended to enhance accessibility and provide an alternative way to engage with the discussion.

We’re thrilled to welcome Liberis as an official Unofficially Fintech sponsor. Embedded finance is a major theme at this year’s event, and Liberis is leading the charge by providing seamless funding solutions directly within platforms that businesses already use. They’ll be attending Fintech Meetup, talking all things embedded finance, so be sure to book some time with them! 👇

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