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Jake Fowler

The Growing Imperative for an Enterprise Payments Strategy



Ginger Schmeltzer, Principal, GDS Advisors


Banks have historically dominated the payments industry, but new technologies and new fintech competitors are rapidly changing the landscape.  Customers are demanding faster, easier value-added payments services, and are willing to engage with non-bank providers to get them. In view of these changes, banks cannot remain competitive with their legacy siloed approach to payments. Significant changes will be required, including how payments are managed across the organization, the level of investment in payments technologies, and how payments capabilities are delivered via the various distribution channels and networks.


  • Evolution of payment technologies and solutions
  • Specific examples of bank approaches to managing payments complexity
  • What bank leadership needs to consider in defining their bank’s payment strategy


  • Enhanced view of payments industry expansion
  • Options for engaging with fintechs
  • Recommended steps to help maintain competitiveness in payments

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Ginger Schmeltzer

Principal and Founder, GDS Advisors

Ginger is the principal and founder of GDS Advisors, a strategy consulting firm focused primarily on fintech, digital banking and payments.  Her firm has advised large banks, card associations, economic development organizations and card issuers and acquirers.  She has been a frequent speaker at banking conferences and widely quoted in the industry press.

Prior to launching GDS Advisors, Ginger was Senior Vice President of Emerging Payments at Fiserv, Inc.  In this role, Schmeltzer led development and execution of enterprise-wide initiatives to facilitate the delivery of new payment services, provided strategic advice and direction to Fiserv clients, and helped guide roadmap planning and development for many Fiserv product teams.  Among other initiatives, her team launched a suite of mobile imaging capabilities consumed by Fiserv product offerings across the organization.

Before joining Fiserv, Ginger served as Senior Vice President of Digital Channel Management at SunTrust Bank where she oversaw online banking, mobile banking and digital money movement technologies, in addition to online sales and the website. During her time at the bank, Schmeltzer also developed and executed strategies for mobile financial services, person-to-person payments and electronic billing and payment.

Prior to SunTrust, Ginger spent eight years at boutique payments consultancy Edgar, Dunn & Company, where she led the development and growth of the firm’s mobile financial services practice. She also has an extensive international background, including international sales and consulting experience.

Schmeltzer holds Bachelor of Arts degrees in international business and Spanish from Virginia Tech. She also holds an MBA from Emory University’s Goizueta Business School. She is also an active member of the advisory board for Strategic Resource Management

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