Episode 2: Who Are You Really Building Products For? | Payments Cannot Fail ft. Dave Scola

In Episode 2 of Payments Cannot Fail, Form3 US CEO Dave Scola explores how rising expectations around instant payments are reshaping the banking landscape in the US. As customer behavior shifts, payments are increasingly tied to the moment of service, not days or weeks later. In this episode, Dave discusses what this means for banks, and why delivering fast, reliable payment experiences is becoming critical. From the reality that customers only care whether a payment works, to the potential role of government initiatives like FedNow, the conversation highlights the forces driving change across the ecosystem. Dave also explains why banks must evolve into truly omni-channel organizations to meet modern expectations, and how Form3 is architecting for that future.