November 20194CIO INSIGHTS22IN MY OPINIONIs Real-Time Payments Poised to Transform the Banking Sector?Matt Egyhazy, Commercial Bank CIO & Wilmington Trust CIO, M&T BankToday's Fraud Prevention Solutions: Are they enough to protect our commercial clients?Michael Purifoy, Senior Vice President- Director of Treasury Management, VeraBank08PAYALL PAYMENT SYSTEMS FOR GLOBAL INSTANT B2C AND B2BPAYMENTSA REVOLUTIONARY PARADIGMCONTENTSCOVER STORY12Gary Palmer, Co-Founder, Chairman, & CEO
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